The Commercial Bank of Grayson: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Commercial Bank of Grayson of Grayson, KY against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.27% | 1.34% | -0.07% | 50th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.63% | 13.32% | -0.69% | 52nd above |
| Net Interest Margin | 4.48% | 3.93% | +0.55% | 78th top |
| Efficiency Ratio | 65.62% | 61.13% | +4.49% | 38th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.66% | 1.68% | -0.02% | 55th above |
| Yield on Earning Assets | 5.38% | 5.67% | -0.29% | 39th below |
| Cost of Funds | 0.95% | 1.88% | -0.93% | 92nd top |
| Net Interest Spread | 3.88% | 3.32% | +0.56% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.13% | 0.94% | +0.19% | 25th below |
| NPA / Total Assets | 0.73% | 0.70% | +0.03% | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 70th above |
| ACL / NPLs (Coverage) | 122.16% | 1546.49% | -1424.33% | 34th below |
| Texas Ratio | 17.76% | 7.33% | +10.43% | 10th bottom |
| Provision / NCO | 126.58% | 1395.32% | -1268.74% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.60% | 19.49% | -1.89% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.60% | 19.52% | -1.92% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.85% | 20.61% | -1.76% | 67th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.01% | 12.14% | -1.13% | 51st above |
| Equity / Assets | 10.21% | 11.37% | -1.16% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.21% | 11.08% | -0.87% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.20% | 80.66% | -7.46% | 65th above |
| Core Deposit Ratio | 96.49% | 86.85% | +9.64% | 91st top |
| Wholesale Funding Ratio | 0.48% | 5.04% | -4.56% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.80% | 6.84% | -6.04% | 24th bottom |
| Loan Growth (Y/Y) | 8.41% | 7.92% | +0.49% | 67th above |
| Deposit Growth (Y/Y) | 0.51% | 6.29% | -5.78% | 26th below |
See The Commercial Bank of Grayson's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Commercial Bank of Grayson, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Commercial Bank of Grayson profile, how to read a UBPR, or how this data updates.