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COMMERCIAL BANK

WEST LIBERTY, KY · Supervised by FDIC

Est. 1910FDIC #9,310RSSD: FDIC-9310
Part ofCOMMERCIAL BANCSHARES SVG&EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Satisfactory Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.30%

Institution Profile

FDIC BankFind

Address

550 Main St, WEST LIBERTY, KY

County

Morgan County

Established

January 1, 1910

Total Assets

$216M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$216M

Total Deposits

$182M

Net Loans

$152M

Net Income

$701K

ROA

1.30%

ROE

13.72%

Risk-Based Capital

16.71%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$178M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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