This institution is no longer active

Operations ceased on March 7, 2022. CRA examination history below reflects the period it was active.

COMMONWEALTH BANK AND TRUST COMPANY

LOUISVILLE, KY · Supervised by FDIC

Est. 1887FDIC #10,146RSSD: FDIC-10146

Part ofCOMMONWEALTH BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: December 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.24%

Is this bank safe?

COMMONWEALTH BANK AND TRUST COMPANY holds a Satisfactory CRA rating (2018), is financially strong (ROA +1.24%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

4350 Brownsboro Road, Suite 310, LOUISVILLE, KY

County

Jefferson County

Established

January 1, 1887

Total Assets

$1.3B(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

December 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 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 Q4 2021Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.0B

Net Loans

$666M

Net Income

$15M

ROA

1.24%

Above avg for Community banks. Peer avg: 0.90%

ROE

13.02%

Risk-Based Capital

15.57%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.24%Peer avg: 0.90%▲ Above avg

Risk-Based Capital15.57%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate11.72%Peer avg: 10.20%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	145	68.28%	11.72%
2021	4,296	63.76%	11.08%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 2018	Satisfactory	Intermediate Small Bank
Jan 2016	Satisfactory	Intermediate Small Bank
Feb 2013	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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