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Commercial Bank West Liberty, KY

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Commercial Bank West Liberty, KY Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commercial Bank West Liberty, KY provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare Commercial Bank West Liberty, KY rates to other rates in our database, including 12-month CD rates currently at 3.90%, 6-month CD rates at 2.28% and 3-month CD rates at 0.85%. Savings rates are at 0.10% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 7.13%. All these rates can be compared to Commercial Bank West Liberty, KY rates. MonitorBankRates evaluates the financial stability of Commercial Bank West Liberty, KY with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.37%. Rates were last updated on 03/29/2026.

Commercial Bank West Liberty, KY money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Commercial Bank West Liberty, KY? Share your experience about Commercial Bank West Liberty, KY by leaving a review below, or read customer reviews before you decide to use Commercial Bank West Liberty, KY.

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.37%

Excellent Higher than avg

Commercial Bank West Liberty, KY

550 Main St
West Liberty, KY 41472

https://www.commercialbankky.bank

Current Rate Availability

We do not have Commercial Bank West Liberty, KY rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Commercial Bank West Liberty, KY is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Commercial Bank West Liberty, KY rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Commercial Bank West Liberty, KY's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Commercial Bank West Liberty, KY

Bank Holding Company COMMERCIAL BANCSHARES SVG&EMPLOYEE STK OWNERSHIP PLAN

Address 550 Main St, West Liberty, KY 41472 · Morgan

Website https://www.commercialbankky.bank

FDIC Certificate # 9310

Established 01/01/1910

FDIC Insurance Date 01/01/1934

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.37%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1184%

Return on Equity (ROE) 13.3100%

Non-Performing Loans (NPL) 0.98%

Total Assets $217,167,000

Total Deposits $180,036,000

Equity Capital $20,196,000

Net Income $2,578,000

Headquarters West Liberty

Total Offices 2

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Commercial Bank West Liberty, KY

Is Commercial Bank West Liberty, KY a safe place to deposit money?

Yes, Commercial Bank West Liberty, KY is considered a safe financial institution. With a Texas Ratio of 13.374874118832%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Commercial Bank West Liberty, KY operate?

Commercial Bank West Liberty, KY currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Commercial Bank West Liberty, KY does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commercial Bank West Liberty, KY provides members with tools to manage their accounts and build a solid financial history.

Does Commercial Bank West Liberty, KY offer online and mobile banking?

Most modern institutions like Commercial Bank West Liberty, KY provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.commercialbankky.bank.