Grayson, KY · Cert 10137 · Commercial Grayson Bancshares
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 2.7% share · #16 of 26 inst. · $0.2B of $8.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.85% | 0.65% | 0.89% | 0.99% | 1.02% | 0.68% | 0.98% | +9 bps | |
| Return on Equity | 8.39% | 8.41% | 6.30% | 8.63% | 9.50% | 9.76% | 6.60% | 9.51% | +88 bps | |
| Net Interest Margin | 3.37% | 3.37% | 3.56% | 3.61% | 3.68% | 3.71% | 4.04% | 4.11% | +50 bps | |
| Efficiency Ratio | 72.61% | 72.10% | 76.66% | 71.12% | 69.29% | 67.71% | 78.04% | 71.82% | +70 bps | |
| Non-Interest Burden | 2.24% | 2.23% | 2.60% | 2.39% | 2.36% | 2.32% | 3.03% | 2.77% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.63% | 7.05% | 7.18% | 6.71% | 5.98% | 6.41% | 2.96% | 0.80% | -591 bps | |
| Loan Growth (YoY) | 14.10% | 11.18% | 7.61% | 4.54% | 3.54% | 2.67% | 4.23% | 8.41% | +387 bps | |
| Deposit Growth (YoY) | 7.07% | 8.69% | 8.44% | 8.89% | 5.93% | 5.43% | 3.37% | 0.51% | -838 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.80% | 2.43% | 3.13% | 2.56% | 2.88% | 2.52% | 3.40% | 3.03% | +46 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.09% | 0.02% | 0.00% | 0.05% | 0.04% | 0.15% | 0.10% | +10 bps | |
| Allowance / Loans | 1.31% | 1.35% | 1.39% | 1.44% | 1.42% | 1.44% | 1.41% | 1.38% | -6 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.4x | 0.6x | 0.5x | 0.6x | 0.4x | 0.5x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.08% | 11.80% | 11.64% | 11.54% | 11.64% | 11.39% | 10.86% | 11.01% | -53 bps | |
| Total Risk-Based Capital | 19.43% | 19.15% | 19.43% | 19.98% | 20.10% | 20.01% | 18.68% | 18.85% | -112 bps | |
| Equity / Assets | 10.62% | 10.23% | 10.25% | 10.36% | 10.75% | 10.64% | 9.98% | 10.21% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.69% | 70.58% | 68.62% | 67.87% | 69.10% | 68.74% | 69.20% | 73.20% | +533 bps | |
| Liquid Assets / Assets | 0.36% | 0.37% | 0.37% | 0.34% | 0.40% | 0.40% | 0.40% | 0.35% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 164.84% | 168.68% | 180.07% | n/a | n/a | |