TellerScore

Commercial Bank and Trust of PA (FDIC certificate #14333) is based in Latrobe, Pennsylvania. Its Q2 2026 call report shows $357.5M in total assets and $307.7M in deposits and 7 offices.

Based on its Q2 2026 filing, Commercial Bank and Trust of PA scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 9th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 15% uninsured), and its lowest is earnings (42/100; 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Tier 1 leverage ratio: 14.74%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.14%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 53.8% · 14.5% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.62%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 86).

TellerScore
838587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202483
Q3 202483
Q4 202484
Q1 202585
Q2 202585
Q3 202585
Q4 202585
Q1 202687
Q2 202686
Tier 1 leverage ratio
5.00%9.87%14.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202413.74%
Q3 202413.82%
Q4 202414.01%
Q1 202514.15%
Q2 202514.37%
Q3 202514.26%
Q4 202514.44%
Q1 202614.64%
Q2 202614.74%
Noncurrent loans
0.05%0.09%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.05%
Q4 20240.06%
Q1 20250.06%
Q2 20250.05%
Q3 20250.08%
Q4 20250.08%
Q1 20260.05%
Q2 20260.14%
Return on assets
0.43%0.49%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.46%
Q3 20240.43%
Q4 20240.48%
Q1 20250.47%
Q2 20250.49%
Q3 20250.49%
Q4 20250.51%
Q1 20260.56%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$357.5M14.74%0.14%0.56%53.8%
Q1 202687$359.7M14.64%0.05%0.56%55.4%
Q4 202585$362.4M14.44%0.08%0.51%55.4%
Q3 202585$371.3M14.26%0.08%0.49%56.8%
Q2 202585$367.2M14.37%0.05%0.49%58.6%
Q1 202585$369.6M14.15%0.06%0.47%58.5%
Q4 202484$374.8M14.01%0.06%0.48%59.9%
Q3 202483$390.0M13.82%0.05%0.43%59.4%
Q2 202483$385.1M13.74%0.05%0.46%61.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.74%
85th
Total risk-based capital26.62%
95th
Problem loans0.14%
70th
Net charge-offs0.05%
27th
Return on assets0.56%
14th
Net interest margin4.07%
57th
Efficiency ratio88.1%
7th
Loans to deposits53.8%
89th
Uninsured deposits14.5%
83rd
Loan-loss reserves0.44%
2nd
Texas ratio0.6%
75th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Savings BankBank Clarks Summit, PA78 out of 100, Strong$359.0M15.1%0.27%vs
West View Savings BankBank Pittsburgh, PA71 out of 100, Strong$365.1M9.4%0.00%vs
Greenville Savings BankBank Greenville, PA74 out of 100, Strong$342.7M12.8%0.17%vs
First United National BankBank Fryburg, PA59 out of 100, Moderate$385.8M8.2%0.91%vs
Altoona First Savings BankBank Altoona, PA60 out of 100, Moderate$328.6M14.1%2.87%vs
Sewickley Savings BankBank Sewickley, PA67 out of 100, Moderate$316.3M23.8%2.73%vs

Deposit insurance

Is my money safe at Commercial Bank and Trust of PA?

Yes. Commercial Bank and Trust of PA is an FDIC-insured institution (FDIC certificate #14333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.5% of deposits ($44.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.62% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Commercial Bank and Trust of PA lists 7 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Commercial Bank and Trust of PA reported 81 home-loan applications under HMDA (LEI 549300179EG8J5FHBS95): 52 originated ($6,010,000 total), 14 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Commercial Bank and Trust of PA
Former names
Commercial National Bank of Pennsylvania; Commercial National Bank of Westmoreland County; The Commercial National Bank of Latrobe; Commercial Bank of Pennsylvania
Type
State-chartered bank
FDIC certificate #
14333
RSSD ID
945026
Primary regulator
FDIC
Holding company
Commercial Natl Finl Corp
Established
May 4, 1934
Headquarters
900 Ligonier St, Latrobe, PA 15650
Employees
71

Quick answers

Commercial Bank and Trust of PA: common questions

Is Commercial Bank and Trust of PA FDIC insured?

Yes. Commercial Bank and Trust of PA is an FDIC-insured institution (FDIC certificate #14333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Commercial Bank and Trust of PA's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Commercial Bank and Trust of PA ever failed?

There is no failure record for FDIC certificate #14333 in the FDIC failed bank list.

How many branches does Commercial Bank and Trust of PA have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Latrobe

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
Westmoreland Water Federal Credit UnionCredit union Greensburg, PA97 out of 100, Very strong$23.5M18.9%0.12%vs
Mt Pleasant Area School Emp Federal Credit UnionCredit union Mount Pleasant, PA97 out of 100, Very strong$2.3M25.4%0.00%vs
Firstenergy Choice Federal Credit UnionCredit union Greensburg, PA93 out of 100, Very strong$51.6M21.3%0.19%vs
Glass Cap Federal Credit UnionCredit union Connellsville, PA89 out of 100, Very strong$45.4M18.3%0.76%vs
Elliott Community Federal Credit UnionCredit union Jeannette, PA86 out of 100, Very strong$53.7M15.2%0.38%vs