🏦Bank Scorer

COMMERCIAL BANK AND TRUST OF PA

LATROBE, PA · Supervised by FDIC

Est. 1934FDIC #14,333RSSD: FDIC-14333
Part ofCOMMERCIAL NATL FINL CORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.56%

Institution Profile

FDIC BankFind

Address

900 Ligonier St, LATROBE, PA

County

Westmoreland County

Established

May 4, 1934

Total Assets

$360M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$360M

Total Deposits

$303M

Net Loans

$168M

Net Income

$507K

ROA

0.56%

ROE

5.67%

Risk-Based Capital

26.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate27.08%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$300M

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249663.54%27.08%
202313861.59%26.09%
202218062.78%23.89%
202122667.7%21.24%
202023563.83%27.23%
201927064.44%22.22%
201828964.36%25.61%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2005

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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