What is Commercial Bank's financial health grade?

Commercial Bank has a TFS Financial Health Grade of C+ (score: 77.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Commercial Bank have?

Commercial Bank has 2 branch locations across the United States.

Is Commercial Bank FDIC insured?

Yes, Commercial Bank is FDIC insured (Certificate #9310).

What are the total assets of Commercial Bank?

Commercial Bank has total assets of $217.2M as reported in its most recent FDIC filing.

Commercial Bank

BankWest Liberty, Kentucky

http://www.commercialbankky.bank

Total Assets

$217.2M

Total Deposits

$180.0M

Branches

Established

1910

TFS Health Grade

C+

77.0 / 100

Average financial health

How we grade

Commercial Bank is a bank headquartered in West Liberty, Kentucky, established in 1910. With $217.2M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C+ (77.0/100).

Capital & Safety

Tier 1 Capital Ratio

9.94%(8%)

Total Capital Ratio

16.43%(10%)

Non-Performing Loan Ratio

0.79%

Profitability

Return on Assets (ROA)

1.21%(1%)

Return on Equity (ROE)

13.20%(10%)

Net Interest Margin

3.81%

Efficiency Ratio

65.07%(60%)

Lending & Liquidity

Total Loans

$152.5M

Loan-to-Deposit Ratio

84.00%

Net Charge-Off Ratio

0.07%

Growth

Asset Growth (YoY)

+5.03%

Deposit Growth (YoY)

+5.46%

Net Income

$2.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Commercial BankHQ	550 Main St	West Liberty	KY	11
Commercial Bank	1771 W Main St	West Liberty	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.