BlastPoint's Banking Scorecard

Commonwealth Community Bank, Inc.

$100M-$1B Specialty: Other KY FDIC cert 8126

Hartford, KY

3 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

Commonwealth Community Bank, Inc. has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 13.56% above tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 2.7% in tier
- Return on Assets 0.96% below tier average
- Net Interest Margin 1.71% below tier average
- Efficiency Ratio 21.72% above tier average

Get updates when Commonwealth Community Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$157.7M -0.4% YoY +3.8% QoQ	-$228.4M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$53.9M +7.5% YoY +3.5% QoQ	-$201.8M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Bottom 3.8% in tier
Total Deposits ?	$136.3M +5.1% YoY +4.3% QoQ	-$191.7M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	0.31% +142.9% YoY +196.1% QoQ	-0.96%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Bottom 8.2% in tier
Net Interest Margin ?	2.22% +41.0% YoY +25.1% QoQ	-1.71%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Bottom 1.4% in tier
Efficiency Ratio ?	87.01% -36.0% YoY -22.2% QoQ	+21.72%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	Bottom 8.6% in tier
Delinquency Rate ?	0.18% -59.5% YoY +7.8% QoQ	-0.71%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	39.55% +2.3% YoY -0.8% QoQ	-37.09%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	Top 4.4% in tier
Non-Interest-Bearing Deposit Share ?	35.58% +1.5% YoY +1.0% QoQ	+13.56%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Top 9.1% in tier
Nonperforming Asset Ratio ?	0.06% -56.3% YoY +7.4% QoQ	-0.58%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	14.86% +2.2% YoY +2.7% QoQ	-0.97%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.20% +150.3% YoY -71.0% QoQ	-0.08%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Top 14.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#15 of 512 • Bottom 2.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.31%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

117

Loan-to-Deposit Ratio

liquidity

Value: 39.55%

Peer Median: 76.64%

#117 of 2664 Top 4.4% in $100M-$1B

244

Non-Interest-Bearing Deposit Share

funding

Value: 35.58%

Peer Median: 22.02%

#244 of 2664 Top 9.1% in $100M-$1B

382

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#382 of 2664 Top 14.3% in $100M-$1B

646

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#646 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (6 metrics)

2627

Net Interest Margin

profitability

Value: 2.22%

Peer Median: 3.93%

#2627 of 2664 Bottom 1.4% in $100M-$1B

2564

Total Loans

size

Value: $53.89M

Peer Median: $255.72M

#2564 of 2664 Bottom 3.8% in $100M-$1B

2447

Return on Assets

profitability

Value: 0.31%

Peer Median: 1.27%

#2447 of 2664 Bottom 8.2% in $100M-$1B

2436

Efficiency Ratio

profitability

Value: 87.01%

Peer Median: 65.29%

#2436 of 2664 Bottom 8.6% in $100M-$1B

2219

Total Assets

size

Value: $157.72M

Peer Median: $386.08M

#2219 of 2664 Bottom 16.7% in $100M-$1B

2207

Total Deposits

size

Value: $136.27M

Peer Median: $327.97M

#2207 of 2664 Bottom 17.2% in $100M-$1B