The Commercial Bank of Grayson
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Data as of · sourced from FFIEC call reports. How we update
The Commercial Bank of Grayson is an FDIC-insured commercial bank headquartered in Grayson, KY, established in 1891 (FDIC certificate 10137), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $242.0M, up 0.8% from Q2 2025, the 73rd largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 17.60% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10137
- Headquarters
- Grayson, KY
- Established
- 1891
- Total assets, Q2 2026
- $242.0M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 17.60%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 042103460
- Latest call report
- Q2 2026, FFIEC 041 · The Commercial Bank of Grayson call report
- Holding company
- COMMERCIAL GRAYSON BANCSHARES INC.
- Asset rank in state
- 73rd of 120 in Kentucky
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 2,627 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 2.7% 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 3.03% and a Texas ratio of 17.76%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, The Commercial Bank of Grayson is the 73rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.9% to $242.0M, loans rose 4.0% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.8% of total loans, followed by non-owner-occupied commercial real estate loans at 24.0%. The FDIC Summary of Deposits lists 3 offices for it, in Grayson, KY and Olive Hill, KY; its Grayson 2 offices book 65% of its branch deposits. Judged on its Q2 2026 call report, The Commercial Bank of Grayson meets every capital ratio test for well capitalized.
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
- Domestic offices
- 3 FDIC institution directory, current count
- 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
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Commercial Bank of Grayson's total assets ranged from $213.1M (Q3 2023) to $244.9M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$242.0M total assets against $240.1M; $217.3M total liabilities against $215.2M.
$155.5M net loans and leases against $143.4M; $215.4M total deposits against $214.3M.
$67.5M securities against $73.7M; $13.7M cash and balances due against $17.7M.
$3.1M total interest income against $2.8M; $520K total interest expense against $548K.
$2.6M net interest income against $2.2M.
$422K total noninterest income against $405K; $2.0M total noninterest expense against $1.7M.
$50K provision for credit losses against $63K.
$775K net income against $669K.
1.27% return on assets against 1.12%; 4.48% net interest margin against 3.93%.
17.60% CET1 capital ratio against 18.72%; 11.01% tier 1 leverage ratio against 11.54%.
Inside the full The Commercial Bank of Grayson terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The Commercial Bank of Grayson rankings
Its closest position to the top of a national ranking is 228 of 3,640, for Texas Ratio; its furthest is 2,413 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.64% (Q1 2025) to 1.27% (Q2 2026) and its net interest margin ran from 3.77% (Q3 2024) to 4.48% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.60% | 1.27% | 3.03% | 17.76% | 4.48% |
| Q1 2026 | 17.43% | 0.69% | 3.40% | 19.44% | 4.28% |
| Q4 2025 | 18.76% | 1.11% | 2.52% | 13.32% | 4.25% |
| Q3 2025 | 18.84% | 1.18% | 2.88% | 15.23% | 4.10% |
| Q2 2025 | 18.72% | 1.12% | 2.56% | 13.83% | 3.93% |
| Q1 2025 | 18.18% | 0.64% | 3.13% | 17.27% | 3.80% |
| Q4 2024 | 17.90% | 0.85% | 2.43% | 13.84% | 3.86% |
| Q3 2024 | 18.18% | 0.90% | 1.80% | 9.87% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Commercial Bank of Grayson headquartered?
It is headquartered in Grayson, KY, United States.
When was The Commercial Bank of Grayson founded?
It was established in 1891, per the FDIC institution directory.
Is The Commercial Bank of Grayson FDIC-insured?
Yes. It 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.
What is The Commercial Bank of Grayson's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 17.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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