BanksCOMMERCIAL BANK

COMMERCIAL BANK

WEST LIBERTY, KYSmallEst. Jan. 1, 1910, midnightFDIC #9310RSSD #358112FDIC
Latest · 2025-12-31

COMMERCIAL BANK is an 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%. CET1 capital ratio: 15.46%, well above regulatory minimums. NPL ratio: 0.88% · Texas Ratio: 6.24%. Operates 1 domestic branch.

Assets
$217M
Deposits
$180M
Loans
$153M
Equity
$20M

Profitability

Return on Assets (ROA)1.31%
Return on Equity (ROE)13.85%
Net Interest Margin3.88%
Yield on Assets5.96%
Cost of Funds2.32%

Asset Quality

NPL Ratio0.88%
Net Charge-Off Ratio0.13%
Texas Ratio6.24%
NPA Ratio0.62%
ACL / Loans0.86%

Capital & Liquidity

CET1 Ratio15.46%
Tier 1 Capital15.46%
Total Capital Ratio16.43%
Leverage Ratio9.94%
Loan-to-Deposit84.73%

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