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Commercial Bank
West Liberty, KY · FDIC Certificate #9310 · Chartered 01/0
Total assets
$216.13M
Total deposits
$181.39M
Total equity
$21.08M
Net loans
$148.50M
Branches (offices)
2
Net income (YTD)
$1.39M
Rank: #2,883 of 4,213 U.S. banks by assets · #80 of 120 in Kentucky. Assets changed 1.0% and deposits 1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 13.50% |
| Net interest margin (YTD) | 3.98% |
| Equity to assets | 9.75% |
| Tier 1 leverage ratio | 10.05% |
| Uninsured deposits (share of deposits) | 15.4% |
| Noncurrent loans (share of loans) | 1.14% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 81.9% |
| Real estate loans (share of loans) | 86.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $128.45M | 86.5% | |
| Commercial & industrial | $5.84M | 3.9% | |
| Consumer / individual | $15.35M | 10.3% | |
| Construction & development | $4.66M | 3.1% | |
| Agricultural | $62.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $188.71M | $149.91M | $500.00K | $16.95M |
| Jun 2023 | $196.83M | $154.03M | $1.13M | $16.64M |
| Jun 2024 | $210.73M | $173.78M | $873.00K | $17.80M |
| Jun 2025 | $214.04M | $178.35M | $1.15M | $19.57M |
| Jun 2026 | $216.13M | $181.39M | $1.39M | $21.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $181.38M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $181.38M.
Similar-sized banks
Bank Of Commerce ($216.27M) · First Bank Of Coastal Georgia ($215.72M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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