Commercial Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.8) profitability. A current level of 8.4 percent of nonperforming loans to core capital combined with 8.7 percent from a year earlier contributes to the Fair asset quality (4.6).
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 17.7 and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (40%), securities (18%), comm re (12%), consumer loans (7%), cash (5%), comm loans (3%), other (15%)
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
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