The Commercial Bank of Grayson: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 12.5% lower than in Q1 2026, at -$2.2M. The Commercial Bank of Grayson ranks 20th of 69 Kentucky banks on CET1 ratio, in the upper half at 17.60% (Q2 2026). The Commercial Bank of Grayson reported 17.60% on CET1 ratio for Q2 2026, 2.53 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.60% |
| Tier 1 risk-based capital ratio | 17.60% |
| Total risk-based capital ratio | 18.85% |
| Tier 1 leverage ratio | 11.01% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $26.9M |
| Tier 1 capital | $26.9M |
| Total risk-based capital | $28.8M |
| Total equity capital | $24.7M |
| Risk-weighted assets | $153.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.21% |
| Tangible equity to tangible assets | 10.21% |
| Equity capital to average assets | 10.11% |
| Internal capital growth rate | 9.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $7.0M |
| Retained earnings | $18.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.35% | 18.35% | 18.88% | 12.28% | $144.5M |
| Q4 2023 | 17.86% | 17.86% | 18.91% | 11.88% | $147.2M |
| Q1 2024 | 18.18% | 18.18% | 19.28% | 12.02% | $146.7M |
| Q2 2024 | 18.17% | 18.17% | 19.36% | 12.13% | $149.7M |
| Q3 2024 | 18.18% | 18.18% | 19.43% | 12.08% | $150.6M |
| Q4 2024 | 17.90% | 17.90% | 19.15% | 11.80% | $152.9M |
| Q1 2025 | 18.18% | 18.18% | 19.43% | 11.64% | $150.8M |
| Q2 2025 | 18.72% | 18.72% | 19.98% | 11.54% | $147.8M |
| Q3 2025 | 18.84% | 18.84% | 20.10% | 11.64% | $148.5M |
| Q4 2025 | 18.76% | 18.76% | 20.01% | 11.39% | $148.8M |
| Q1 2026 | 17.43% | 17.43% | 18.68% | 10.86% | $151.2M |
| Q2 2026 | 17.60% | 17.60% | 18.85% | 11.01% | $153.0M |
The Commercial Bank of Grayson regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial Bank of Grayson, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Commercial Bank of Grayson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10137) · FFIEC NIC profile (RSSD 812614)