Commercial Bank
Commercial Bank is a locally rooted FDIC-insured community bank based in West Liberty, KY. The Q1 2026 balance sheet stands at $216M in assets, including $154M in loans. The bank posts a strong 1.26% ROA and 13.72% ROE. Regulatory capital is solid — 15.70% CET1 and 16.71% total risk-based capital ratio. Credit metrics are in line with industry norms — 1.36% NPL ratio. 2 branches make up the footprint.
Headquarters Profile
- Address
- 550 Main St, WEST LIBERTY, KY 41472
- County
- Morgan
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- January 1, 1910
- Branches
- 2 domestic
- Employees (FTE)
- 32
- FDIC Cert
- 9310
- Fed RSSD
- 358112
- Parent Holding Company
- COMMERCIAL BANCSHARES, INC. (RSSD 2510727)
Capital & Liquidity
Inside the full Commercial Bank terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Commercial Bank — freeThis is just Commercial Bank's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Commercial Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Similar banks
Compare Commercial Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Commercial Bank
What are Commercial Bank's total assets?
As of the Q1 2026 filing, Commercial Bank reported total assets of $215.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commercial Bank headquartered?
Commercial Bank is headquartered in WEST LIBERTY, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Commercial Bank founded?
Commercial Bank was established in 1910, per the FDIC institution directory.
Is Commercial Bank FDIC-insured?
Yes. Commercial Bank is an FDIC-insured commercial bank (FDIC Certificate #9310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank?
Commercial Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Commercial Bank's CET1 capital ratio?
Commercial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.70% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Commercial Bank operate?
Commercial Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Commercial Bank's Texas Ratio?
Commercial Bank's Texas Ratio is 11.72% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on Commercial Bank.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required