This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Hartford, KY
Health score
65.3
Total assets
$157.7M
Bank
Lebanon, KY
Health score
81.6
Total assets
$163.0M
Answer first
Commonwealth Community Bank, Inc. leads on capitalization; The Farmers National Bank of Lebanon leads on financial health and profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The Farmers National Bank of Lebanon
Higher TFS health score
Capitalization
Commonwealth Community Bank, Inc.
Higher comparable capital ratio
Profitability
The Farmers National Bank of Lebanon
Higher return on assets
Lending quality
The Farmers National Bank of Lebanon
Lower problem-loan measure
Growth
The Farmers National Bank of Lebanon
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Commonwealth Community Bank, Inc. | The Farmers National Bank of Lebanon |
|---|---|---|
| TFS health score | 65.3/100 | 81.6/100Leads |
| Total assets | $157.7M | $163.0M |
| Total deposits / shares | $134.8M | $145.5M |
| Tier 1 capital ratio | 14.71%Leads | 10.72% |
| Return on assets | 0.24% | 1.09%Leads |
| Return on equity | 1.82% | 10.82% |
Commonwealth Community Bank, Inc.
3 branches
The Farmers National Bank of Lebanon
2 branches
Both institutions report branches in 1 state: KY.
Commonwealth Community Bank, Inc.
Unavailable
The Farmers National Bank of Lebanon
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Commonwealth Community Bank, Inc.
0 in TFS registry
The Farmers National Bank of Lebanon
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Commonwealth Community Bank, Inc. score | Commonwealth Community Bank, Inc. ROA | The Farmers National Bank of Lebanon score | The Farmers National Bank of Lebanon ROA |
|---|---|---|---|---|
| 2024-Q3 | — | -0.42% | — | 0.87% |
| 2024-Q4 | — | -0.44% | — | 0.85% |
| 2025-Q1 | — | 0.13% | — | 0.96% |
| 2025-Q2 | — | -0.19% | — | 1.04% |
| 2025-Q3 | — | -0.22% | — | 1.14% |
| 2025-Q4 | — | -0.10% | — | 1.06% |
| 2026-Q1 | 65.5/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.24% | 0.00%Leads |
| Net charge-offs | 0.07% | -0.03%Leads |
| Efficiency ratio | 91.01% | 62.99%Leads |
| Loan-to-deposit ratio | 40.67% | 78.81% |
| Asset growth (YoY) | -0.06% | 15.33%Leads |
| Deposit / share growth (YoY) | 5.25% | 14.89%Leads |
| Branches | 3 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.31% |
| 81.7/100 |
| 0.99% |
| 2026-Q2 | 65.3/100 | 0.24% | 81.6/100 | 1.09% |