Headquartered in Hartford, Kentucky, Commonwealth Community Bank, Inc. is a state-chartered bank with $157.7M in total assets and $134.8M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1928.
Commonwealth Community Bank, Inc. has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 15th. Funding & liquidity contributes the most (100/100, 41% loans-to-deposits, 11% uninsured); earnings contributes the least (30/100, 0.24%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 5 points (78 → 83), mostly because the earnings component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 76 |
| Q4 2024 | 73 |
| Q1 2025 | 75 |
| Q2 2025 | 78 |
| Q3 2025 | 80 |
| Q4 2025 | 79 |
| Q1 2026 | 85 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.12% |
| Q3 2024 | 14.91% |
| Q4 2024 | 14.69% |
| Q1 2025 | 14.55% |
| Q2 2025 | 14.36% |
| Q3 2025 | 14.85% |
| Q4 2025 | 14.58% |
| Q1 2026 | 14.86% |
| Q2 2026 | 14.71% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.18% |
| Q2 2026 | 0.24% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.32% |
| Q3 2024 | -0.42% |
| Q4 2024 | -0.54% |
| Q1 2025 | -0.72% |
| Q2 2025 | -0.40% |
| Q3 2025 | -0.37% |
| Q4 2025 | -0.32% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $157.7M | 14.71% | 0.24% | 0.24% | 40.7% |
| Q1 2026 | 85 | $157.7M | 14.86% | 0.18% | 0.31% | 39.5% |
| Q4 2025 | 79 | $152.0M | 14.58% | 0.16% | -0.32% | 39.9% |
| Q3 2025 | 80 | $150.2M | 14.85% | 0.08% | -0.37% | 39.6% |
| Q2 2025 | 78 | $157.5M | 14.36% | 0.13% | -0.40% | 39.7% |
| Q1 2025 | 75 | $158.4M | 14.55% | 0.44% | -0.72% | 38.7% |
| Q4 2024 | 73 | $154.0M | 14.69% | 0.68% | -0.54% | 39.1% |
| Q3 2024 | 76 | $156.5M | 14.91% | 0.53% | -0.42% | 40.3% |
| Q2 2024 | 77 | $155.4M | 15.12% | 0.46% | -0.32% | 37.9% |
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).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers National Bank of LebanonBank Lebanon, KY | 77 out of 100, Strong | $163.0M | 10.7% | 0.00% | vs |
| The Salyersville National BankBank Salyersville, KY | 89 out of 100, Very strong | $163.5M | 14.2% | 0.00% | vs |
| Bank of MaysvilleBank Maysville, KY | 93 out of 100, Very strong | $164.0M | 16.9% | 0.12% | vs |
| Independent Correspondent Bankers' Bank, Inc.Bank Frankfort, KY | 69 out of 100, Moderate | $151.4M | 13.2% | 0.99% | vs |
| Auburn Banking CompanyBank Auburn, KY | 65 out of 100, Moderate | $164.3M | 8.3% | 0.65% | vs |
| The Sacramento Deposit BankBank Sacramento, KY | 74 out of 100, Strong | $149.8M | 9.5% | 0.76% | vs |
Deposit insurance
Is my money safe at Commonwealth Community Bank, Inc.?
Yes. Commonwealth Community Bank, Inc. is an FDIC-insured institution (FDIC certificate #8126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.2% of deposits ($15.0M) 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 14.71%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Commonwealth Community Bank, Inc. lists 3 offices in 3 cities. Most locations:
- Fordsville, KY (1)
- Greenville, KY (1)
- Hartford, KY (1)
Identity & history
Profile
- Legal name
- Commonwealth Community Bank, Inc.
- Former names
- The Hartford Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 8126
- RSSD ID
- 541642
- Primary regulator
- FDIC
- Holding company
- Ohio Cnty Cmty Bancshares Inc
- Established
- July 5, 1928
- Headquarters
- 830 S Main St, Hartford, KY 42347
- Website
- www.cwcbankhb.com
- Employees
- 27
Quick answers
Commonwealth Community Bank, Inc.: common questions
Is Commonwealth Community Bank, Inc. FDIC insured?
Yes. Commonwealth Community Bank, Inc. is an FDIC-insured institution (FDIC certificate #8126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commonwealth Community Bank, Inc.'s TellerScore?
83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commonwealth Community Bank, Inc. ever failed?
There is no failure record for FDIC certificate #8126 in the FDIC failed bank list.
How many branches does Commonwealth Community Bank, Inc. have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hartford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Owensboro Federal Credit UnionCredit union Owensboro, KY | 88 out of 100, Very strong | $88.3M | 14.2% | 0.26% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
| Whitesville Community Credit UnionCredit union Whitesville, KY | 76 out of 100, Strong | $39.5M | 12.4% | 1.82% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| First United Bank and Trust CompanyBank Madisonville, KY | 74 out of 100, Strong | $591.4M | 9.5% | 0.25% | vs |
| Farmers Bank and Trust CompanyBank Marion, KY | 74 out of 100, Strong | $794.0M | 9.2% | 0.23% | vs |