Commercial Bank of Grayson, The
Grayson, KY · Cert 10137 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Commercial Grayson Bancshares
State charter, non-member · FDIC · 3 branches
Q2 2026
$242.0MAssets
$157.7MLoans
$215.4MDeposits
$24.7MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 77% of banks under $1B in assets operating in a single state (rank 172 of 746).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets operating in a single state (rank 703 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.98%
Rank 416 of 746
Net Interest Margin
4.11%
Rank 205 of 746
Efficiency Ratio
71.82%
Rank 505 of 746
Equity / Assets
10.21%
Rank 397 of 746
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 32% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.72% | 1.06% | 1.45% | Beats 44% | 416 / 746 | | |
| Return on Equity | 9.64% | 6.74% | 10.51% | 13.63% | Beats 44% | 420 / 746 | | |
| Net Interest Margin | 4.11% | 3.17% | 3.68% | 4.16% | Beats 73% | 205 / 746 | | |
| Efficiency Ratio | 71.82% | 55.74% | 64.58% | 75.47% | Beats 32% | 505 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.03% | 0.09% | 0.42% | 1.07% | Beats 6% | 703 / 743 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 25% | 558 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.60% | 11.55% | 13.75% | 17.60% | Beats 75% | 186 / 746 | | |
| Total Risk-Based Capital Ratio | 18.85% | 11.71% | 14.33% | 18.43% | Beats 77% | 172 / 746 | | |
| Equity / Assets | 10.21% | 8.90% | 10.51% | 13.06% | Beats 47% | 397 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.20% | 61.31% | 78.27% | 90.78% | 40th pctl | 444 / 746 | | |
| Loans / Assets | 65.16% | 53.60% | 66.97% | 76.08% | 45th pctl | 408 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |