Total Assets
$362M
Total balance-sheet footings
FDIC Cert #14333 · Latrobe, Pennsylvania · Est. 1934
Commercial Bank and Trust of PA - FDIC Bank Health Profile
A community-scale look at Commercial Bank and Trust of PA's own numbers, pulled straight from its quarterly FDIC Call Report.
- $362M
- Total assets
- B
- Health grade · Good
- 0.51%
- Return on assets
- 25.9%
- Tier 1 capital
Data updated July 2026
The verdict
Commercial Bank and Trust of PA earns a PlainBankData health grade of B (74/100), with well-capitalized at 25.91% Tier 1, 0.51% ROA, 89% efficiency ratio.
- #2,233
- largest of 4,313 FDIC banks by assets
- 48th
- percentile by asset size, nationally
- 25.91%
- Tier 1 ratio - above the 10% well-capitalized line
- 16th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Commercial Bank and Trust of PA's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Commercial Bank and Trust of PA's composite health score
Tier 1 Capital Ratio (25.91%) 40/40
Return on Assets (ROA) (0.51%) 14/25
Texas Ratio (0.37%) 20/20
Efficiency Ratio (88.59%) 0/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$306M
Customer-funded liabilities
Net Loans
$169M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Commercial Bank and Trust of PA ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Commercial Bank and Trust of PA's score of 74/100 falls in the highlighted band.
Commercial Bank and Trust of PA's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Commercial Bank and Trust of PA's $362M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
25.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
25.91%
Texas Ratio
0.37%
Equity Capital
$37M
Profitability metrics
Return on Assets (ROA)
16th percentile nationally
0.51%
Return on Equity (ROE)
5.53%
Efficiency Ratio
88.59%
What the numbers say about Commercial Bank and Trust of PA
Commercial Bank and Trust of PA is an FDIC-insured institution (Certificate #14333) headquartered in Latrobe, Pennsylvania, established in 1934. It holds $362M in total assets - 2,233rd of 4,313 FDIC-insured banks, $306M in customer deposits, and $169M in net loans. Its capital position: a Tier 1 ratio of 25.91%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.37% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Commercial Bank and Trust of PA sits 82nd of 112 banks headquartered in Pennsylvania by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$14M
Interest Income
$3M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Commercial Bank and Trust of PA reports a Texas Ratio of 0.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Commercial Bank and Trust of PA (FDIC Cert #14333) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Commercial Bank and Trust of PA's health grade?▼
Commercial Bank and Trust of PA receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Commercial Bank and Trust of PA?▼
Commercial Bank and Trust of PA holds $362M in total assets and $306M in deposits, ranking 2,233rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Latrobe, Pennsylvania.
Is my money safe at Commercial Bank and Trust of PA?▼
Yes, deposits at Commercial Bank and Trust of PA (Certificate #14333) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Commercial Bank and Trust of PA's Tier 1 Capital Ratio?▼
Commercial Bank and Trust of PA has a Tier 1 Capital Ratio of 25.91%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Commercial Bank and Trust of PA?▼
Commercial Bank and Trust of PA has a Texas Ratio of 0.37%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Commercial Bank and Trust of PA?▼
Commercial Bank and Trust of PA has an Efficiency Ratio of 88.59%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Commercial Bank and Trust of PA's profile as a depositor or analyst.
- Commercial Bank and Trust of PA's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Commercial Bank and Trust of PA against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.