This institution is no longer active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%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.17%

Risk-Based Capital

10.68%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.93%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.68%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate9.76%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	6,405	62.67%	9.76%
2019	4,115	57.89%	13.49%
2018	3,221	66.78%	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

Exam Date	Rating	Exam Type
Mar 1998	Outstanding	Small Bank
Mar 1996	Satisfactory	Not Reported
Feb 1994	Satisfactory	Not Reported

1 previous rating locked — 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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