We will be closed on Monday, January 1 for New Year's Day. We will re-open on Tuesday, January 2nd with normal business hours. For your convenience, digital banking and ATMs are available 24/7.

We're an independent bank focused on building relationships in our communities. To us, banking isn't just about numbers; it's about trust, understanding and having confidence in the people you do business with.


Commercial Bank


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Banking has never been as easy and convenient as it is with FREE Internet Banking. With the click of a mouse, our secure Online Banking allows you to manage your banking from your computer, 24 hours a day, 7 days a week, from anywhere with an internet connection. See what you can all do!


For more than a century, Commercial Bank has served as a true community bank in West Liberty and Morgan County. In that role, we offer area families and business owners the opportunity to enjoy a banking relationship that promises all the right answers, every step of the way. From deposit services to technologies to loans of virtually all types, Commercial Bank stands ready to tailor the perfect solutions to meet your unique financial needs; and to do so with a level of responsive personal service that lets you know your banking relationship is important to us.

For the last 20 years, we have helped thousands of entrepreneurs grow their businesses and achieve their dreams with a purpose-driven approach to banking. It is this mindset that aligns us with our clients' business goals and has fueled our growth to a $2 billion bank and the 3rd largest bank in OC.

Everyone at Commercial Bank of California from the loan officer to the tellers provide excellent customer service and go above and beyond normal banks. I am so grateful to each and every one of the members for taking such great care of all my banking needs!

It can also refer to a bank or a division of a large bank which deals with corporations or a large or middle-sized business, to differentiate it from a retail bank and an investment bank. Commercial banks include private sector banks and public sector banks.

The name bank derives from the Italian word banco "desk/bench", used during the Italian Renaissance era by Florentine bankers, who used to carry out their transactions on a desk covered by a green tablecloth.[1] However, traces of banking activity can be found even in ancient times.

In this respect, credit creation is the most significant function of commercial banks. While sanctioning a loan to a customer, they do not provide cash to the borrower. Instead, they open a deposit account from which the borrower can withdraw. In other words, while sanctioning a loan, they automatically create deposits.

In most countries, commercial banks are heavily regulated and this is typically done by a country's central bank. They will impose a number of conditions on the banks that they regulate such as keeping bank reserves and to maintain minimum capital requirements.

Commercial banks generally provide a number of services to its clients; these can be split into core banking services such as deposits, loans, and other services which are related to payment systems and other financial services.

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We are committed to helping your business succeed and simplify the business banking experience by working with you one on one every step of the way. We pair this commitment and talent with the latest technologies to ensure our clients can compete in an ever more global business environment. 2351a5e196

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