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Commonwealth Community Bank, Inc.
Hartford, KY · FDIC Certificate #8126 · Chartered 07/0
Total assets
$157.74M
Total deposits
$134.80M
Total equity
$20.89M
Net loans
$54.83M
Branches (offices)
3
Net income (YTD)
$190.00K
Rank: #3,251 of 4,213 U.S. banks by assets · #93 of 120 in Kentucky. Assets changed 0.2% and deposits 5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.24% |
| Return on equity | 1.82% |
| Net interest margin (YTD) | 2.28% |
| Equity to assets | 13.24% |
| Tier 1 leverage ratio | 14.71% |
| Uninsured deposits (share of deposits) | 11.2% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 40.7% |
| Real estate loans (share of loans) | 78.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $42.85M | 78.2% | |
| Commercial & industrial | $6.89M | 12.6% | |
| Consumer / individual | $5.76M | 10.5% | |
| Construction & development | $1.46M | 2.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $151.80M | $136.87M | $338.00K | $14.53M |
| Jun 2023 | $147.53M | $126.04M | -$72.00K | $12.69M |
| Jun 2024 | $155.45M | $128.38M | -$252.00K | $15.37M |
| Jun 2025 | $157.50M | $128.07M | -$317.00K | $18.83M |
| Jun 2026 | $157.74M | $134.80M | $190.00K | $20.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $134.80M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $134.80M.
Similar-sized banks
Legends West Bank ($157.81M) · Peoples Savings And Loan Company ($157.36M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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