COMMERCIAL BANK

WEST LIBERTY, KY | Small | Est. Jan. 1, 1910, midnight | FDIC #9310 | RSSD #358112 | FDIC
Latest Report: 2025-12-31

COMMERCIAL BANK is asn small FDIC-insured commercial bank headquartered in WEST LIBERTY, KY, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $217M and total deposits of $180M. Profitability stands at 1.31% ROA and 13.85% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 15.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.71% and a Texas Ratio of 5.09%. FDIC Certificate #9310.

Assets

$217M

Deposits

$180M

Loans

$153M

Equity

$20M

Profitability

Return on Assets (ROA) 1.31%
Return on Equity (ROE) 13.85%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.96%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 0.71%
Net Charge-Off Ratio 0.06%
Texas Ratio 5.09%
NPA Ratio 0.50%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 15.46%
Tier 1 Capital 15.46%
Total Capital Ratio 16.43%
Leverage Ratio 9.94%
Loan-to-Deposit 84.73%

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