Commercial Bank is a state-chartered bank headquartered in West Liberty, Kentucky, in business for about 116 years. At the end of Q2 2026 it reported $216.1M in total assets and $181.4M in deposits, with 2 offices.
Commercial Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 92nd. Problem-loan coverage contributes the most (85/100, 7.6%); capital cushion contributes the least (50/100, 10.05%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (63 → 65), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 55 |
| Q4 2024 | 57 |
| Q1 2025 | 59 |
| Q2 2025 | 63 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.84% |
| Q3 2024 | 9.91% |
| Q4 2024 | 9.71% |
| Q1 2025 | 9.93% |
| Q2 2025 | 10.02% |
| Q3 2025 | 10.14% |
| Q4 2025 | 9.94% |
| Q1 2026 | 9.94% |
| Q2 2026 | 10.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.81% |
| Q3 2024 | 1.81% |
| Q4 2024 | 1.44% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.19% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.79% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.14% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.82% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.18% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.30% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $216.1M | 10.05% | 1.14% | 1.29% | 81.9% |
| Q1 2026 | 65 | $215.8M | 9.94% | 1.06% | 1.30% | 83.7% |
| Q4 2025 | 67 | $217.2M | 9.94% | 0.79% | 1.21% | 84.0% |
| Q3 2025 | 68 | $213.8M | 10.14% | 0.73% | 1.18% | 85.7% |
| Q2 2025 | 63 | $214.0M | 10.02% | 1.19% | 1.09% | 78.4% |
| Q1 2025 | 59 | $209.3M | 9.93% | 1.48% | 1.05% | 79.1% |
| Q4 2024 | 57 | $206.8M | 9.71% | 1.44% | 0.82% | 78.4% |
| Q3 2024 | 55 | $211.9M | 9.91% | 1.81% | 0.87% | 75.6% |
| Q2 2024 | 54 | $210.7M | 9.84% | 1.81% | 0.84% | 75.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank & Trust Co. of JacksonBank Jackson, KY | 42 out of 100, Below average | $217.3M | 9.7% | 3.35% | vs |
| United Citizens Bank & Trust CompanyBank Campbellsburg, KY | 56 out of 100, Moderate | $219.3M | 10.0% | 1.78% | vs |
| The Citizens BankBank Hickman, KY | 82 out of 100, Strong | $220.4M | 12.7% | 0.34% | vs |
| Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY | 84 out of 100, Strong | $208.1M | 10.4% | 0.00% | vs |
| First & Peoples Bank and Trust CompanyBank Russell, KY | 27 out of 100, Low | $207.1M | 9.0% | 15.30% | vs |
| The Citizens BankBank Morehead, KY | 76 out of 100, Strong | $228.6M | 8.7% | 0.06% | vs |
Deposit insurance
Is my money safe at Commercial Bank?
Yes. Commercial Bank is an FDIC-insured institution (FDIC certificate #9310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.4% of deposits ($27.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.72% (benchmark: 10%).
2 locations
Branches
Commercial Bank lists 1 office in 1 city. Most locations:
- West Liberty, KY (1)
Identity & history
Profile
- Legal name
- Commercial Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9310
- RSSD ID
- 358112
- Primary regulator
- FDIC
- Holding company
- Commercial Bancshares Svg&employee Stk Ownership Plan
- Established
- January 1, 1910
- Headquarters
- 550 Main St, West Liberty, KY 41472
- Website
- www.commercialbankky.bank
- Employees
- 34
Quick answers
Commercial Bank: common questions
Is Commercial Bank FDIC insured?
Yes. Commercial Bank is an FDIC-insured institution (FDIC certificate #9310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commercial Bank ever failed?
There is no failure record for FDIC certificate #9310 in the FDIC failed bank list.
How many branches does Commercial Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near West Liberty
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Salyersville National BankBank Salyersville, KY | 89 out of 100, Very strong | $163.5M | 14.2% | 0.00% | vs |
| Morehead Community Federal Credit UnionCredit union Morehead, KY | 88 out of 100, Very strong | $65.1M | 13.5% | 0.50% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| Citizens Bank of Kentucky, Inc.Bank Paintsville, KY | 79 out of 100, Strong | $669.9M | 13.5% | 0.85% | vs |
| The Citizens BankBank Morehead, KY | 76 out of 100, Strong | $228.6M | 8.7% | 0.06% | vs |