US Bank Directory
Banks in West Liberty, KY
4 FDIC-insured banks operate 5 offices in West Liberty, Kentucky.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: West Liberty
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 4 banks and credit unions operate 5 locations in West Liberty, according to the FDIC. 5 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.
Branches: FDIC, NCUA. Streets: loading.
5 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks in West Liberty
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Commercial Bank has the most locations in West Liberty, with 2. The other 3 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Commercial Bank Bank · 2
Commercial Bank has 2 branches in West Liberty, 2 across Kentucky and 2 nationwide. FDIC records list its main office in West Liberty, KY and show it operating since 1910. With $216.1 million in total assets on June 30, 2026, it ranks No. 2,898 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running West Liberty location is its main office at 550 Main St, dating to 1910; the newest, at 1771 W Main St, to 2012. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office550 Main St, 41472
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Index Branch1771 W Main St, 41472
Bank of the Mountains Bank · 1
Bank of the Mountains has 1 branch in West Liberty, 3 across Kentucky and 3 nationwide. FDIC records list its main office in West Liberty, KY and show it operating since 1973. With $100.0 million in total assets on June 30, 2026, it ranks No. 3,695 of 4,232 U.S. banks by total assets. Its main office at 204 Court St dates to 1973 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office204 Court St, 41472
The Citizens Bank Bank · 1
The Citizens Bank has 1 branch in West Liberty, 5 across Kentucky and 5 nationwide. FDIC records list its main office in Morehead, KY and show it operating since 1928. With $228.6 million in total assets on June 30, 2026, it ranks No. 2,834 of 4,232 U.S. banks by total assets. The West Liberty Branch at 335 Prestonsburg St dates to 2002 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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West Liberty Branch335 Prestonsburg St, 41472
The First National Bank of Grayson Bank · 1
The First National Bank of Grayson has 1 branch in West Liberty, 7 across Kentucky and 7 nationwide. FDIC records list its main office in Grayson, KY and show it operating since 1902. With $371.9 million in total assets on June 30, 2026, it ranks No. 2,180 of 4,232 U.S. banks by total assets. The West Liberty Branch at 400 Prestonsburg St dates to 2002 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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West Liberty Branch400 Prestonsburg St, 41472
Banking in West Liberty: the local picture
Short answer: 4 banks run 5 branches in West Liberty according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 4 banks, 2 have their main office in West Liberty, 2 elsewhere in Kentucky, according to the FDIC.
The bank with the longest record here is The First National Bank of Grayson, operating since 1902 according to the FDIC. In FDIC branch records, the longest-running branch is Commercial Bank's office at 550 Main St, dating to 1910; the newest is Commercial Bank's at 1771 W Main St, from 2012.
None of the 5 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.
Chase, Bank of America and other national banks
Which big national banks have branches in West Liberty, and where the nearest one is if they do not.
Short answer: No branches in West Liberty: Chase (nearest in Richmond, 59 mi), Wells Fargo, Bank of America (nearest in Lexington, 63 mi), PNC Bank (nearest in Ashland, 51 mi), U.S. Bank (nearest in Morehead, 21 mi), Truist (nearest in Paintsville, 25 mi), Fifth Third Bank (nearest in Ashland, 52 mi), Huntington (nearest in Independence, 98 mi), Regions Bank (nearest in Franklin, 200 mi), TD Bank, BMO.
| Bank | In West Liberty | Nearest branch if none here |
|---|---|---|
| Chase | None | Richmond, 59 miles away |
| Wells Fargo | None | none in Kentucky |
| Bank of America | None | Lexington, 63 miles away |
| PNC Bank | None | Ashland, 51 miles away |
| U.S. Bank | None | Morehead, 21 miles away |
| Truist | None | Paintsville, 25 miles away |
| Fifth Third Bank | None | Ashland, 52 miles away |
| Huntington | None | Independence, 98 miles away |
| Regions Bank | None | Franklin, 200 miles away |
| TD Bank | None | none in Kentucky |
| BMO | None | none in Kentucky |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of West Liberty to the nearest branch in Kentucky.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to West Liberty residents like anyone else.
Banks near West Liberty
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Sandy Hook (12 miles) and Salyersville (16 miles). Morehead, 22 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Sandy Hook, KY | 12 mi | 2 | 2 |
| Banks in Salyersville, KY | 16 mi | 3 | 4 |
| Banks in Campton, KY | 20 mi | 2 | 2 |
| Banks in Morehead, KY | 22 mi | 9 | 12 |
| Banks in Paintsville, KY | 25 mi | 5 | 7 |
| Banks in Jackson, KY | 26 mi | 2 | 3 |
| Banks in Olive Hill, KY | 28 mi | 2 | 2 |
| Banks in Owingsville, KY | 31 mi | 3 | 4 |
Bank branch openings and closings in West Liberty
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in West Liberty between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in West Liberty
Short answer: 2 institutions have their main office in West Liberty: Commercial Bank and Bank of the Mountains.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Commercial Bank | Bank | $216.1 million | 2 |
| Bank of the Mountains | Bank | $100.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in West Liberty by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its West Liberty offices.
Short answer: The First National Bank of Grayson is the largest bank with offices in West Liberty, with $371.9 million in total assets on June 30, 2026, No. 2,180 among U.S. banks by total assets. The Citizens Bank is second with $228.6 million. 2 of the 4 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| The First National Bank of Grayson | $371.9 million | No. 2,180 | 1 | Grayson, KY |
| The Citizens Bank | $228.6 million | No. 2,834 | 1 | Morehead, KY |
| Commercial Bank | $216.1 million | No. 2,898 | 2 | West Liberty, KY |
| Bank of the Mountains | $100.0 million | No. 3,695 | 1 | West Liberty, KY |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in West Liberty: FAQ
How many banks are in West Liberty, KY?
West Liberty has 4 banks with 5 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in West Liberty?
Commercial Bank, with 2. The First National Bank of Grayson has 1 and The Citizens Bank has 1.
Is there a Commercial Bank in West Liberty, KY?
Yes. FDIC data lists 2 Commercial Bank branches in West Liberty as of September 5, 2026, the main office at 550 Main St. Its branches are listed under Commercial Bank above, with the address and directions for each.
Is there a The First National Bank of Grayson in West Liberty, KY?
Yes. FDIC data lists 1 The First National Bank of Grayson branch in West Liberty as of September 5, 2026. The address and directions are under The First National Bank of Grayson above.
Is there a The Citizens Bank in West Liberty, KY?
Yes. FDIC data lists 1 The Citizens Bank branch in West Liberty as of September 5, 2026. The address and directions are under The Citizens Bank above.
Is there a Chase in West Liberty, KY?
No. FDIC data lists no Chase branch in West Liberty as of September 5, 2026. The nearest is in Richmond, about 59 miles away in a straight line.
Which banks are headquartered in West Liberty?
Commercial Bank and Bank of the Mountains have their main office in West Liberty, according to the FDIC.
What is the oldest bank in West Liberty?
The First National Bank of Grayson has the longest record among banks with a branch here: the FDIC shows it operating since 1902.
Did any bank branches open or close in West Liberty in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near West Liberty?
Nearby cities with more banks include Sandy Hook, Salyersville, Campton. Sandy Hook is 12 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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