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 Commercial Bank and Trust of PA Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 11, 2026
Commercial Bank and Trust of PA's top rates as of October 11, 2026 are 0.20% APY on its 48-59-Months 48-59-Month Certificate, 0.10% APY on savings, 0.10% APY on money market accounts, 0.01% APY on checking, 6.57% on its Home Mortgage Loan - 10 year, and personal loans from 10.00% APR, according to rates verified by MonitorBankRates. Other Commercial Bank and Trust of PA CD rates include 48-59-Months IRA 48-59-Month at 0.20%, 36-47-Months 36-47-Month Certificate at 0.15%, and 36-47-Months IRA 36-47-Month at 0.15%. Other Commercial Bank and Trust of PA mortgage rates include Home Mortgage Loan - 15 year at 6.80%, Home Mortgage Loan - 20 year at 7.04%, and Home Mortgage Loan - 30 year at 7.28%. MonitorBankRates evaluates the financial stability of Commercial Bank and Trust of PA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.63%. Rates last updated and verified on 10/11/2026. Commercial Bank and Trust of PA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Commercial Bank and Trust of PA? Share your experience about Commercial Bank and Trust of PA by leaving a review below, or read customer reviews before you decide to use Commercial Bank and Trust of PA. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Commercial Bank and Trust of PA CD Rates
Commercial Bank and Trust of PA Savings Rates
Commercial Bank and Trust of PA Money Market Rates
Commercial Bank and Trust of PA Checking Rates
Commercial Bank and Trust of PA Mortgage Rates
Commercial Bank and Trust of PA Home Equity & HELOC
Commercial Bank and Trust of PA Auto Loan Rates
Commercial Bank and Trust of PA Personal Loan Rates
Commercial Bank and Trust of PA Other Rates
Financial Health HistoryCommercial Bank and Trust of PA’s Texas Ratio stayed near 0.33% in Q3 2023 to 0.63% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Commercial Bank and Trust of PA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Commercial Bank and Trust of PA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Commercial Bank and Trust of PA's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Commercial Bank and Trust of PA
Bank Holding Company
COMMERCIAL NATL FINL CORP
Address
900 Ligonier St,
Latrobe, PA 15650 · Westmoreland
FDIC Certificate #
14333
Established
19340504
FDIC Insurance Date
19340504
Domestic Offices
7
Total Branches
7
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.63%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.5614%
Return on Equity (ROE)
5.6000%
Non-Performing Loans (NPL)
0.06%
Total Assets
$357,463,000
Total Deposits
$307,655,000
Equity Capital
$36,638,000
Net Income
$1,010,000
Headquarters
Latrobe
Total Branches and Offices
7
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Commercial Bank and Trust of PAHow many branches does Commercial Bank and Trust of PA operate?Commercial Bank and Trust of PA currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Commercial Bank and Trust of PA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Commercial Bank and Trust of PA provides members with tools to manage their accounts and build a solid financial history. Does Commercial Bank and Trust of PA offer online and mobile banking?Most modern institutions like Commercial Bank and Trust of PA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cnbthebankonline.com/. Current Commercial Bank and Trust of PA Rates
Retrieved from our database of financial products. Rates subject to change.
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