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This institution is no longer active

Operations ceased on April 1, 2002. CRA examination history below reflects the period it was active.

COMMONWEALTH BANK AND TRUST COMPANY

LOUISVILLE, KY · Supervised by FDIC

Est. 1991FDIC #33,243RSSD: FDIC-33243
Part ofCOMMONWEALTH BANCSHARES INC→ View all charters
Outstanding Up

Current rating · Exam: March 1998

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

12906 Shelbyville Road, LOUISVILLE, KY

County

Jefferson County

Established

January 4, 1991

Total Assets

$293M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2002Call Report / FDIC

Total Assets

$293M

Total Deposits

$198M

Net Loans

$233M

Net Income

$700K

ROA

0.93%

ROE

12.17%

Risk-Based Capital

10.68%

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 Rate11.72%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202214568.28%11.72%
20214,29663.76%11.08%
20206,40562.67%9.76%
20194,11557.89%13.49%
20183,22166.78%11.92%

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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