# COMMERCIAL BANK
WEST LIBERTY, KY · FDIC certificate 9310 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $216.1M | |
| Deposits | $181.4M | |
| Loans and leases | $150.0M | |
| Total equity | $21.1M | |
| Loans / deposits | 81.87% (p65 of band) | 73.59% |
| Liquid assets / assets | 23.59% (p29 of band) | |
| Uninsured deposits / deposits | 15.40% (p33 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.43% (p71 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.05% (p25 of band) | 11.76% |
| Unrealized securities loss / equity | -19.66% (p24 of band) | -6.57% |
| AOCI / equity | -0.04% (p67 of band) | |
| ROA (annualized) | 1.29% (p57 of band) | 1.17% |
| Net interest margin | 3.98% (p53 of band) | 3.93% |
| Efficiency ratio | 64.86% (p48 of band) | |
| Noncurrent loans | 1.14% (p73 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 85.27% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 22.11% (p56 of band) | |
| Auto loans | $7.8M (5.20% of loans; DQ 2.23%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | NIM <2.5% |  |
| 2013-06 | 1 | deposits shrinking | NIM <2.5% |
| 2013-09 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | uninsured deposits leaving |  |
| 2014-12 | 1 |  | deposits shrinking |
| 2015-03 | 2 | wholesale funding >15%, capital falling | uninsured deposits leaving |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 0 |  | wholesale funding >15% |
| 2015-12 | 1 | assets shrinking |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | assets shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | assets shrinking |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | deposits shrinking |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 0 |  | assets shrinking, deposits shrinking |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 1 | capital falling | uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 4 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2023-12 | 4 | noncurrent p90 | capital falling |
| 2024-03 | 3 |  | charge-offs p90 |
| 2024-06 | 3 | capital falling | noncurrent p90 |
| 2024-09 | 1 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | capital falling, reserve under noncurrent |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-03-30 [Commercial Bank’s Terry Lee rings Nasdaq opening bell - Claiborne Progress](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZldNZXlnVVEtZkVUY0VYOU5hZXdPZFJnd1V5OWJQS3c0emJNazZ2WHRwaFhBQUl5Y3ZFSDlRT1BmQmg5bjd0LWxxQ0lfdWJCWmpkcnlMU0Zrdlc3aDdHckk1c0hvcjN5NEN0bW9ENXR1c0dNZGdtRDYwWHZJcmRwZkFOUEF3dXk4Z0J0Z2xLS2NLV0ZfRUZhVVRn?oc=5) · Claiborne Progress
- 2026-02-23 [Small Ky. bank's release by regulators came sooner than expected - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxPT3BHVEtXdFBzMXQ2Q0tYRUxWSkRvNHRUTmQ2c0F3aURKWkRwaEo1S2w0bllkUk1mQ05OanJ6cW1HS0V1aFdpXzJmY0tNQjdMMG5oUmdsVmwxNHJXVGlzWUV5XzlBOFJaU28zbHRwaDlieWhyd2tYMnNTTGdZN1RSV0dWRVdxb2tDd1lHMDd3T2NOOGZ6QU9oZ0R5Z2tOZW8?oc=5) · American Banker
- 2025-10-02 [CBK IPO News - Tennessee community bank Commercial Bancgroup prices upsized IPO at $24, below the range - renaissancecapital.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxNNFlnMkdoZ21SeExYUGUzY09lVGl4UVVxWW9Yb1ZGSVVqY1ktZ3JpZlVFTWQ4b1I4OGdUalVNYm9FeXFGdFd2bTRhTzlucndrR09NS0FZZWtYc0FMUktUeVlPUkFCWlYtb3Z5THQ5UGxTUnBZeUFvUnZQaG9IblBmbkM2dDl1RlZlNDBWMDJKMFRPMlh5UHNtb0ZnaHBlSWl3SWpzNlNEcFc2OW9DLXhNTURnSXAyeF9PNm5YcFVXaHk3U01KV1ZlY0dkZTh5Zw?oc=5) · renaissancecapital.com
- 2025-10-03 [Commercial Bancgroup (CBK) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiUkFVX3lxTFBsN21RMXRaZF9qOThCMEVGanQ4YVhWTXlYTnJxOVNlSjZRQlNjOGRnVDBKamNIT2EybFJubG5Nb3hBMklrMmVVOXRPbjg3REcwbnc?oc=5) · Stock Titan
- 2026-04-23 [From Harrogate to Nasdaq: Commercial Bank rings the bell on 50 years and a historic IPO - Teknovation.biz](https://news.google.com/rss/articles/CBMilAFBVV95cUxOa3JOdkFqbnl6dGdaaEc0dW01MDFDZng4eWJuOXkwZEhlZnd6eXFNMjJQQS01bGFnZnVNNTlzSlI4T2ZWR2Zpa0VIeWc4VDRSRFpMZXlVVEo0Mm9LTkd4TDc5ZTBBU2lDRGdTenVWWHo1N3pvdXFTdWxnQTdwNFZWdU9VMi1DejVHZHVZVHNoWXdpYzZm?oc=5) · Teknovation.biz
- 2023-10-11 [Strother elected Chair of State Banking Association - Carter County Times](https://news.google.com/rss/articles/CBMimAFBVV95cUxQYVZoRHZlMEtGWG5tMDZCRjgyWnlxc0d4ZlZYaUJ3cDg3Skw2TDFYcUJIcmMtdWRmV3ZwTENZeURVaGtMR0pEaWJVS0Yxa0RIM1ZubHkwblJFV1RkbGNBcmpzdnIxdEZqZC0zWEFDRm5KWHAtR0V6dG5oZEtCQ3RMc3dSVjZLNFhQaFMzaWlEU3dYNmxrbmJ3ag?oc=5) · Carter County Times
- 2026-08-05 [Commercial Bank rings NASDAQ bell to celebrate public trading milestone and bank's 50th anniversary - Williamson Herald](https://news.google.com/rss/articles/CBMipgJBVV95cUxPTXVlMmtCa3hkU2lKTVJ0NlV5ZFNRTmFlSVhEQ3VGVlJBZGpRWUY3SGhTUVBSSWwxNDZ5MXBPUklMYmJubmxMbEZuQUFCeEpLbHBmNEhaYlI3UkZ1aVNzZEs4RDJsTlE3NF9RdU85WW9PVFd4a09IbEJUakFLYWtNcEhBTTNTVnZWWUx4SG53WEJSSVFlWDc3RGxoQlJaTS1rV0pFZmVMZ0cxcUJ5amRBR291VGhJekJaLWQxdkoxTjVFZkY3bjhFeFIyZmNvRFZnQ2FncnpHR2gyTEhNQ1VTcHZ6MHROdnpCZkNpQVlzZnFfQTB5aFh6NmFHblVyWkxxWktQNWdLOEFfZEtRUTJMR0REcHdkazd2R25PMjlHUVlkVUpKTUE?oc=5) · Williamson Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9310 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "9310", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide