Commercial Bank
Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital combined with 14.0 percent from a year earlier contributes to the Fair asset quality (4.2). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability.
Asset Mix:
Home mtgs (36%), securities (23%), comm re (12%), consumer loans (8%), cash (4%), comm loans (2%), other (16%)
States with Branches:
KY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Commercial Bancshares, Inc.
Investment Rating
--
Address
550 Main Street
West Liberty, KY 41472
West Liberty, KY 41472
Phone Number
(606) 743-3195
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.