The Commercial Bank of Grayson: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.01 percentage points higher than in Q1 2026, at 73.20%. Within Kentucky, The Commercial Bank of Grayson is 91st of 120 on loan-to-deposit ratio, 73.20% as of Q2 2026, below the middle of the field. The Commercial Bank of Grayson reported 73.20% on loan-to-deposit ratio for Q2 2026, 7.74 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $157.7M |
| Net loans and leases | $155.5M |
| Loans held for sale | $0 |
| Loans to total assets | 65.16% |
| Loan-to-deposit ratio | 73.20% |
| Net loans to equity capital | 6.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.62% |
| Multifamily (5+ residential) | 0.59% |
| Commercial and industrial | 10.71% |
| Consumer | 12.65% |
| Credit cards | 0.00% |
| Farm | 0.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 154.04% |
| Construction concentration (Tier 1 capital + allowance) | 20.63% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.72% |
| Interest income on loans | $2.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $125.1M | $188.7M | 37.74% | 10.85% | 14.53% |
| Q4 2023 | $130.7M | $189.4M | 37.70% | 10.86% | 13.34% |
| Q1 2024 | $135.2M | $195.5M | 28.38% | 10.86% | 13.51% |
| Q2 2024 | $139.2M | $196.8M | 28.98% | 10.62% | 13.12% |
| Q3 2024 | $142.8M | $202.0M | 27.35% | 10.96% | 13.76% |
| Q4 2024 | $145.3M | $205.8M | 27.62% | 11.16% | 13.16% |
| Q1 2025 | $145.5M | $212.0M | 27.81% | 10.86% | 13.10% |
| Q2 2025 | $145.5M | $214.3M | 26.65% | 10.15% | 13.14% |
| Q3 2025 | $147.8M | $214.0M | 26.15% | 10.44% | 12.98% |
| Q4 2025 | $149.2M | $217.0M | 26.26% | 10.19% | 12.71% |
| Q1 2026 | $151.6M | $219.2M | 26.56% | 10.45% | 12.31% |
| Q2 2026 | $157.7M | $215.4M | 26.62% | 10.71% | 12.65% |
The Commercial Bank of Grayson loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial Bank of Grayson, freeSource: Call Report Schedule RC-C, 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)