Bank call report · Grayson, KY
The Commercial Bank of Grayson Call Report
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The Commercial Bank of Grayson filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 321 reported line items, schedule by schedule (883 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 812614 |
| FDIC certificate number | 10137 |
| Total assets | $242.0M |
Official Q2 2026 call report PDF (FFIEC) →
The Commercial Bank of Grayson call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · The Commercial Bank of Grayson balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $242.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $242.0M |
| Total Liabilities and Minority Interest | RCON2948 | $217.3M |
| Total Deposits | RCON2200 | $215.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $157.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $155.5M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $136.9M |
| Deposits: Noninterest-bearing | RCON6631 | $78.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $67.5M |
| Total Equity Capital | RCON3210 | $24.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $24.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $18.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $12.0M |
| Surplus | RCON3839 | $7.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.8M |
| Other Assets | RCON2160 | $2.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.2M |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $1.2M |
| Common Stock | RCON3230 | $1.0M |
| Federal Funds Sold | RCONB987 | $900K |
| Interest-bearing Balances | RCON0071 | $840K |
| Other Liabilities, Total | RCON2930 | $720K |
Schedule RI: Income Statement (40 items)
About Schedule RI · The Commercial Bank of Grayson income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $6.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $5.0M |
| Net Interest Income | RIAD4074 | $5.0M |
| Total Noninterest Expense | RIAD4093 | $4.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.0M |
| Salaries and Employee Benefits | RIAD4135 | $1.9M |
| Other Noninterest Expense | RIAD4092 | $1.7M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.5M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.2M |
| Net Income (Loss) | RIAD4340 | $1.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.2M |
| Total Interest Expense | RIAD4073 | $1.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $949K |
| Total Noninterest Income | RIAD4079 | $766K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $648K |
| Other Noninterest Income | RIADB497 | $580K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $573K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $535K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $529K |
| Applicable Income Taxes | RIAD4302 | $339K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $237K |
| Interest on Other Securities | RIAD4060 | $181K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $172K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $145K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $120K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $109K |
| Provision for Loan and Lease Losses | RIAD4230 | $100K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $100K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $97K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $77K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $53K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $40K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $14K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $13K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $7K |
| Other Interest Income | RIAD4518 | $7K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $6K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 49 |
Schedule RC-B: Securities (25 items)
About Schedule RC-B · The Commercial Bank of Grayson securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $8.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $7.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $325K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $282K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $70.4M |
| Pledged Securities | RCON0416 | $32.2M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $28.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $27.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $22.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $21.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $14.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $11.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $11.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $10.9M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $9.1M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $8.8M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $7.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $7.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $6.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $5.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $4.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $1.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $282K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · The Commercial Bank of Grayson loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $157.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $67.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $37.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $36.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $28.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $23.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $21.3M |
| Commercial and Industrial Loans | RCON1766 | $16.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $16.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $11.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $10.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $10.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $10.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $9.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $6.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $6.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $4.1M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $3.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.1M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $2.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $1.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $930K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $791K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $715K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $415K |
| Real Estate Loans Secured by Farmland | RCON1420 | $365K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $280K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $22.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $8.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $7.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $5.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $713K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $331K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $34K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 236 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 57 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 57 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 54 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 47 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 35 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 15 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · The Commercial Bank of Grayson deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $108.2M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $107.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $106.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $95.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $78.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $53.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $33.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $22.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $21.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $18.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $12.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $11.8M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $10.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $7.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $6.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $5.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $5.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $4.7M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $4.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $1.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $922K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $551K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $56K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Accrued Interest Receivable | RCONB556 | $1.3M |
| Net Deferred Tax Assets | RCON2148 | $568K |
| Other Assets | RCON2168 | $505K |
| Prepaid Expenses | RCON2166 | $268K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $224K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $196K |
| Other Repossessed Assets (Net) | RCON1578 | $11K |
Schedule RC-G: Other Liabilities (2 items)
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · The Commercial Bank of Grayson quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $244.4M |
| Quarterly Average of Total Loans | RCON3360 | $155.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $70.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $61.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $47.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $40.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $39.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $30.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $18.1M |
| All Other Securities | RCONB560 | $18.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $16.6M |
| Mortgage-backed Securities | RCONB559 | $14.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $7.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $1.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $977K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $672K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · The Commercial Bank of Grayson derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $9.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $6.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.2M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $122K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · The Commercial Bank of Grayson memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $3.6M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (20 items)
About Schedule RC-N · The Commercial Bank of Grayson past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $3.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.4M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $1.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $996K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $773K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $719K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $575K |
| Additions to Nonaccrual Assets | RCONC410 | $545K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $291K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $257K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $217K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $90K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $64K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $51K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $46K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $28K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $23K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $7K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · The Commercial Bank of Grayson other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $244.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $215.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $156.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $48.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $26.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $9.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 10,717 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 369 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 97 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 2 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · The Commercial Bank of Grayson regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · The Commercial Bank of Grayson regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $244.4M |
| Average total consolidated assets | RCOAKW03 | $244.4M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $153.0M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $28.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $26.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $26.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $26.9M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $24.7M |
| Retained Earnings | RCOAKW00 | $18.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $8.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.2M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$2.2M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.9M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1885 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.176 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.176 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1101 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1085 |
Schedule RC-R, Part II: Risk-Weighted Assets (49 items)
About Schedule RC-R, Part II · The Commercial Bank of Grayson risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $153.2M |
| Total Risk-weighted Assets | RCONG641 | $153.0M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $105.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $105.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $102.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $86.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $86.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $72.5M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $72.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $68.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $67.5M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $66.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $36.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $35.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $35.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $34.0M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $34.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $28.4M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $26.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $12.8M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $9.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $7.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $7.0M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $6.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $5.4M |
| Total All Other Assets | RCOND981 | $5.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$5.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $5.0M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $4.7M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $4.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$3.0M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $2.9M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $2.9M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $2.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $2.5M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $2.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $2.2M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $900K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $900K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $432K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $432K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $321K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $220K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $122K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $122K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $122K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $37K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $89K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $26.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $26.1M |
| Total Equity Capital | RIAD3210 | $24.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.2M |
| Other Comprehensive Income | RIADB511 | -$349K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (3 items)
About Schedule RI-B, Part I · The Commercial Bank of Grayson charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $79K |
| Charge-offs on Automobile Loans | RIADK129 | $67K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $12K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · The Commercial Bank of Grayson changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.2M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $79K |
Schedule RI-E: Explanations (15 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $451K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $321K |
| Data Processing Expenses | RIADC017 | $246K |
| Marketing and Other Professional Services | RIAD0497 | $163K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $89K |
| Consulting and Advisory Expense | RIADF557 | $65K |
| Accounting and Auditing Expenses | RIADF556 | $59K |
| Directors' Fees | RIAD4136 | $50K |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $49K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $41K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $41K |
| Printing, Stationery, and Supplies | RIADC018 | $34K |
| Telecommunications Expense | RIADF559 | $15K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $14K |
| Safe Deposit Box Rent | RIADC015 | $10K |
The Commercial Bank of Grayson call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Commercial Bank of Grayson call report?
The The Commercial Bank of Grayson call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Commercial Bank of Grayson file?
The Commercial Bank of Grayson files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The Commercial Bank of Grayson call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Commercial Bank of Grayson has Federal Reserve RSSD ID 812614 and FDIC certificate number 10137. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Commercial Bank of Grayson file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Commercial Bank of Grayson financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 10137) · FFIEC NIC profile (RSSD 812614)