Commercial Bank (West Liberty, KY)
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Data as of · sourced from FFIEC call reports. How we update
Commercial Bank is an FDIC-insured commercial bank headquartered in West Liberty, KY, established in 1910 (FDIC certificate 9310), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $216.1M, up 1.0% from Q2 2025, the 80th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 16.62% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9310
- Headquarters
- West Liberty, KY
- Established
- 1910
- Total assets, Q2 2026
- $216.1M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 16.62%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 042106331
- Holding company
- COMMERCIAL BANCSHARES, INC.
- Asset rank in state
- 80th of 120 in Kentucky
Little in Commercial Bank's latest call report stands out. The West Liberty, Kentucky bank had $216 million in assets at June 30, 2026. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Unrealized losses on its securities total $4.1 million, equal to 19% of Tier 1 capital, against 24% a year earlier. Loans are outrunning deposits: over the year loans rose 6.3% and deposits rose 1.7%. Credit is the area to watch: it carries problem assets equal to 8.9% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Commercial Bank reported a CET1 capital ratio of 16.62%, a return on assets of 1.25%, a nonperforming-loan ratio of 1.14% and a Texas ratio of 8.88%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Commercial Bank is the 80th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $216.1M, loans fell 2.5% and deposits fell 0.4%. 1-4 family residential loans made up 58.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 9.4%. Its 2 offices in the FDIC Summary of Deposits are in West Liberty, KY. Judged on its Q2 2026 call report, Commercial Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $181.4M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$15K
- Average total assets
- $221.8M
- Average total loans
- $153.4M
- Average interest-bearing deposits
- $182.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9310
- Fed RSSD
- 358112
- Parent Holding Company
- COMMERCIAL BANCSHARES, INC. (RSSD 2510727)
- Ultimate Parent
- RSSD 2538860
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Commercial Bank's total assets ran between $200.0M (Q3 2023) and $217.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$216.1M total assets against $214.0M; $195.0M total liabilities against $194.5M.
$148.5M net loans and leases against $139.8M; $181.4M total deposits against $178.4M.
$39.0M securities against $40.9M; $12.0M cash and balances due against $16.9M.
$3.0M total interest income against $2.8M; $1.0M total interest expense against $989K.
$2.0M net interest income against $1.8M.
$220K total noninterest income against $231K; $1.4M total noninterest expense against $1.3M.
$60K provision for credit losses against $110K.
$693K net income against $603K.
1.25% return on assets against 1.11%; 3.95% net interest margin against 3.78%.
16.62% CET1 capital ratio against 16.26%; 10.05% tier 1 leverage ratio against 10.02%.
Inside the full Commercial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommercial Bank rankings
Its closest position to the top of a national ranking is 734 of 3,640, for Texas Ratio; its furthest is 2,870 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q4 2024) to 1.32% (Q3 2025) and its net interest margin ran from 3.30% (Q3 2024) to 4.00% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.62% | 1.25% | 1.14% | 8.88% | 3.95% |
| Q1 2026 | 15.70% | 1.26% | 1.06% | 8.70% | 3.94% |
| Q4 2025 | 15.46% | 1.31% | 0.79% | 6.65% | 4.00% |
| Q3 2025 | 16.03% | 1.32% | 0.73% | 6.07% | 3.92% |
| Q2 2025 | 16.26% | 1.11% | 1.19% | 9.61% | 3.78% |
| Q1 2025 | 16.42% | 1.00% | 1.48% | 11.90% | 3.47% |
| Q4 2024 | 16.17% | 0.65% | 1.44% | 12.24% | 3.44% |
| Q3 2024 | 16.82% | 0.89% | 1.81% | 14.01% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commercial Bank (main office) | West Liberty , KY | 41472 | $181.4M |
| Index Branch | West Liberty , KY | 41472 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 102 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Commercial Bank
What are Commercial Bank's total assets?
As of the Q2 2026 filing, Commercial Bank reported total assets of $216.1 million in its FFIEC call report.
Where is Commercial Bank headquartered?
It is headquartered in West Liberty, KY, United States.
When was Commercial Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Commercial Bank FDIC-insured?
Yes. It 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.
What is Commercial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.62% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercial Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Bank's Texas Ratio?
Its Texas Ratio is 8.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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