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 4.30
Capitalization Index 8.50
Liquidity Index 2.20
Profitability Index 4.60
Stability Index 5.70
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 1.57%
5-Year Asset Growth 6.51%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.88%
Non-Performing Loans to Capital 8.01%
Non-Performing Loans to Loans 1.33%
Balance Sheet Commercial Bank
West Liberty, KY
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Total Assets 214.04M
Total Deposits 178.35M
Capital and Reserves Commercial Bank
West Liberty, KY
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Capital 19.57M
Leverage Ratio 10.02
Loan Loss Reserves to Loans 0.91%
Risk-Based Capital Ratio 17.24
Liquidity Commercial Bank
West Liberty, KY
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Hot Money Ratio 27.52%
Liquidity Ratio 15.12%
Profitability Commercial Bank
West Liberty, KY
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5-Year Return on Average Assets 0.86%
Net Income 1.15M
Net Interest Spread 3.70%
Operating Profit to Average Assets 1.06%
Overhead Efficiency Ratio 66.92%
Return on Assets 1.06%
Return on Equity 12.09%