Commercial Bank
West Liberty, KY
IDRSSD: 358112
Total Assets
$217.17M
Latest filing
Total Deposits
$180.04M
Latest filing
Net Interest Margin
3.94%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Commercial Bank
550 Main St
West Liberty, KY 41472
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1910FDIC Certificate 5965
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Commercial Bank (Main) | 550 Main St | West Liberty, KY |
| INDEX BRANCH | 1771 W Main St | West Liberty, KY |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Bank of the Mountains, Inc.
West Liberty, Kentucky
→
Assets: $97.64MΔ -54.3%
United Citizens Bank & Trust Company
Campbellsburg, Kentucky
→
Assets: $212.95MΔ -0.4%
The Citizens Bank
Hickman, Kentucky
→
Assets: $215.36MΔ +0.7%
Citizens Bank & Trust Co. of Jackson
Jackson, Kentucky
→
Assets: $211.85MΔ -0.9%
First & Peoples Bank and Trust Company
Russell, Kentucky
→
Assets: $204.50MΔ -4.4%
Lewisburg Banking Company
Lewisburg, Kentucky
→
Assets: $223.93MΔ +4.7%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41472 |
| State and County Number | 21175 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 31 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.commercialbankky.bank |
| Data Updated | 01/30/2026 |
| CERT | 9310 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $217.17M |
| Total Deposits | $180.04M |
| Total Liabilities | $196.97M |
| Total Equity Capital | $20.20M |
| Net Income | $707.00k |
| Net Loans and Leases | $151.22M |
| Assets Per Employee ($Millions) | $6.39M |
| Bank Premises and Fixed Assets | $7.73M |
| Cash and Balances due from Depository Institutions | $8.87M |
| Deposits Held in Domestic Offices | $180.04M |
Key Performance Ratios
| Return on Assets (ROA) | 1.31% |
| Return on Equity (ROE) | 13.85% |
| Net Interest Margin | 3.94% |
| Efficiency Ratio | 64.07% |
| Tier 1 Risk-Based Capital Ratio | 15.459% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.3% |
| Earning Assets to total Assets | 90.21% |
Income and Expense
| Total Interest Income | $2.96M |
| Total Noninterest Income | $213.00k |
| Total Interest Expense | $1.03M |
| Total Noninterest Expense | $1.37M |
| Net Interest Income | $1.92M |
| Pre-tax Net Operating Income | $707.00k |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $6.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $290.00k |
| Federal Funds Purchased and Repurchased Agreement | $13.05M |
| All Other Liabilities | $3.88M |
| Total Liabilities and Capital | $217.17M |
Securities
| Securities | $40.04M |
| Available-for-sale debt securities | $40.04M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commercial Bank?
$217.17M as of the latest filing.
How much are Commercial Bank's total deposits?
$180.04M in total deposits.
Where is Commercial Bank located?
West Liberty, KY.
What is the Net Interest Margin?
3.94%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.31%.
How much are total loans and leases?
$151.22M (latest filing).
What is the total interest income (latest filing)?
$2.96M.