The Commercial Bank of Grayson: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The Commercial Bank of Grayson. Based in Grayson, Kentucky, it had $242 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.03% of loans from 2.56% a year earlier. It pays an average of 0.95% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 17.8% of the capital and reserves that would absorb them, 6.7 times the median of 2.6% for banks its size.
Its $17 million commercial and industrial book is improving, with 6.16% past due or on nonaccrual, down from 16.14% a year earlier. Its $38 million non-owner-occupied commercial real estate book is improving, with 7.76% past due or on nonaccrual, down from 11.22% a year earlier. One more trend to watch: loans are outrunning deposits: over the year loans rose 8.4% and deposits rose 0.5%.
As of June 30, 2026, The Commercial Bank of Grayson reported a CET1 capital ratio of 17.60%, a return on assets of 1.27%, a nonperforming-loan ratio of 1.13% and a Texas ratio of 17.76%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 208 E Main St, Grayson, KY 41143
- County
- Carter
- Metro Area
- Huntington-Ashland, WV-KY-Oh
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1891
- Offices
- 3 domestic
- Employees (FTE)
- 49
- Domestic deposits
- $215.4M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $79K
- Average total assets
- $244.4M
- Average total loans
- $155.4M
- Average interest-bearing deposits
- $138.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10137
- Fed RSSD
- 812614
- Website
- cbgrayson.com →
- Parent Holding Company
- COMMERCIAL GRAYSON BANCSHARES INC. (RSSD 1071810)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The Commercial Bank of Grayson, freeThe Commercial Bank of Grayson rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Commercial Bank of Grayson: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.60% | 1.27% | 1.13% | 17.76% | 4.48% |
| Q1 2026 | 17.43% | 0.69% | 1.41% | 19.44% | 4.28% |
| Q4 2025 | 18.76% | 1.11% | 1.15% | 13.32% | 4.25% |
| Q3 2025 | 18.84% | 1.18% | 1.25% | 15.23% | 4.10% |
| Q2 2025 | 18.72% | 1.12% | 1.19% | 13.83% | 3.93% |
| Q1 2025 | 18.18% | 0.64% | 1.25% | 17.27% | 3.80% |
| Q4 2024 | 17.90% | 0.85% | 1.12% | 13.84% | 3.86% |
| Q3 2024 | 18.18% | 0.90% | 1.20% | 9.87% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Commercial Bank of Grayson | Grayson , KY | 41143 | $102.3M |
| Olive Hill Branch | Olive Hill , KY | 41164 | $75.4M |
| Interchange Branch | Grayson , KY | 41143 | $37.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 4, 1987 | Structure Change | Acquired Peoples Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 3, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Commercial Bank of Grayson, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KY, rank 88 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 148 applications, 138 loans originated, $18.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $105K approved, $52K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Commercial Bank of Grayson
What are The Commercial Bank of Grayson's total assets?
As of the Q2 2026 filing, The Commercial Bank of Grayson reported total assets of $242.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Commercial Bank of Grayson headquartered?
The Commercial Bank of Grayson is headquartered in Grayson, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Commercial Bank of Grayson founded?
The Commercial Bank of Grayson was established in 1891, per the FDIC institution directory.
Is The Commercial Bank of Grayson FDIC-insured?
Yes. The Commercial Bank of Grayson is an FDIC-insured commercial bank (FDIC Certificate #10137). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Commercial Bank of Grayson?
The Commercial Bank of Grayson's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Commercial Bank of Grayson's CET1 capital ratio?
The Commercial Bank of Grayson reported a Common Equity Tier 1 (CET1) capital ratio of 17.60% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Commercial Bank of Grayson operate?
The Commercial Bank of Grayson operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Commercial Bank of Grayson's Texas Ratio?
The Commercial Bank of Grayson's Texas Ratio is 17.76% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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