C
Commercial Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Commercial Bank
West Liberty, KY
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Rating C
Asset Quality Index 4.70
Capitalization Index 8.70
Liquidity Index 1.20
Profitability Index 4.80
Stability Index 4.30
Company Info Commercial Bank
West Liberty, KY
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FDIC Number 9310
Phone Number (606) 743-3195
Website www.commercialbankky.bank
Asset Quality Commercial Bank
West Liberty, KY
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1-Year Asset Growth 0.94%
5-Year Asset Growth 6.51%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.71%
Non-Performing Loans to Capital 4.78%
Non-Performing Loans to Loans 0.98%
Balance Sheet Commercial Bank
West Liberty, KY
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Total Assets 213.85M
Total Deposits 175.87M
Capital and Reserves Commercial Bank
West Liberty, KY
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Capital 20.63M
Leverage Ratio 10.14
Loan Loss Reserves to Loans 0.86%
Risk-Based Capital Ratio 16.99
Liquidity Commercial Bank
West Liberty, KY
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Hot Money Ratio 28.36%
Liquidity Ratio 9.83%
Profitability Commercial Bank
West Liberty, KY
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5-Year Return on Average Assets 0.86%
Net Income 1.87M
Net Interest Spread 3.72%
Operating Profit to Average Assets 1.15%
Overhead Efficiency Ratio 65.42%
Return on Assets 1.15%
Return on Equity 12.89%