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The Commercial Bank of Grayson

$100M-$1B Specialty: Commercial KY FDIC cert 10137

Grayson, KY

3 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +0.5% year over year ($215.4M on the books).
  • Delinquency rate 3.07%.
  • Return on assets 0.98%.
  • Efficiency ratio 71.82% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

The Commercial Bank of Grayson has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 69.8% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 40.8% in tier
  • - Delinquency Rate 2.15% above tier average
  • - Nonperforming Asset Ratio 1.30% above tier average
  • - ROA 0.35% below tier average
  • - Efficiency Ratio 7.34% above tier average
Get updates when The Commercial Bank of Grayson releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $242.0M
+0.8% YoY -0.9% QoQ
-$144.5M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $155.5M
+8.5% YoY +4.0% QoQ
-$102.8M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $215.4M
+0.5% YoY -1.7% QoQ
-$111.3M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 0.98%
+10.2% YoY +43.6% QoQ
-0.35% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
32%
Net Interest Margin ? 4.45%
+12.4% YoY +2.7% QoQ
+0.46% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 71.82%
+1.0% YoY -8.0% QoQ
+7.34% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 3.07%
+18.0% YoY -11.0% QoQ
+2.15% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Bottom 6.0% in tier
Loan-to-Deposit Ratio ? 72.19%
+7.9% YoY +5.8% QoQ
-5.76% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
66%
Non-Interest-Bearing Deposit Share ? 36.47%
-1.3% YoY -0.2% QoQ
+14.44% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 7.9% in tier
Nonperforming Asset Ratio ? 1.97%
+27.0% YoY -6.6% QoQ
+1.30% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 7.4% in tier
Tier 1 Capital Ratio ? 17.60%
-6.0% YoY +1.0% QoQ
+1.69% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.32%
+1.9% YoY +124.7% QoQ
-0.25% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 36.5%
-0.5pp YoY
-0.1pp QoQ
 +14.3pp 22.1% 23.5% 22.2% 92%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 10.9%
+0.6pp YoY
+0.3pp QoQ
 -0.7pp 11.6% 8.6% 12.5% 58%
CRE 31.4%
-0.5pp YoY
-0.3pp QoQ
 -8.1pp 39.5% 37.1% 41.4% 37%
1-4 Family 43.4%
+0.1pp YoY
-0.3pp QoQ
 +10.7pp 32.6% 41.6% 31.3% 75%
Consumer 12.8%
-0.5pp YoY
+0.3pp QoQ
 +8.7pp 4.1% 4.8% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 17.6%
-1.1pp YoY
+0.2pp QoQ
 -1.2pp 18.8% 20.2% 19.7% 67%
Leverage Ratio 11.0%
-0.5pp YoY
+0.2pp QoQ
 -1.2pp 12.2% 14.0% 12.6% 51%
Total Capital Ratio 18.9%
-1.1pp YoY
+0.2pp QoQ
 -1.1pp 19.9% 21.3% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 49
+1 (+2.1%) YoY
+1 (+2.1%) QoQ
 -10 58 105 482 52%
Assets per Employee ($) $4.9M
-1.3% YoY
-2.9% QoQ
 -$2.6M $7.5M $6.3M $8.8M 14%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 1.9%
+0.5pp YoY
-0.1pp QoQ
 +1.6pp 0.3% 0.3% 0.4% 97%
Nonaccrual 1.1%
-0.1pp YoY
-0.3pp QoQ
 +0.2pp 0.9% 0.8% 1.0% 74%
Allowance Coverage 0.45x
-18.8% YoY
+9.5% QoQ
 -23.70x 24.15x 7.45x 20.23x 8%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 77%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 9.5%
+0.9pp YoY
+2.9pp QoQ
 -2.7pp 12.2% 13.3% 11.6% 34%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.7% 1.7% 8%
Net Income ($, YTD) $1.2M
+13.9% YoY
— QoQ
 -$1.4M $2.6M $5.1M $40.4M 33%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#195 of 278 • Top 69.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.47%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.45%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (1)

Flatlined Growth

risk
#217 of 529 • Bottom 40.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.98%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

211
Non-Interest-Bearing Deposit Share
funding
Value: 36.47%
Peer Median: 22.03%
#211 of 2643 Top 7.9% in $100M-$1B
543
Tier 1 Capital Ratio
capital
Value: 17.60%
Peer Median: 15.91%
#543 of 2643 Top 20.5% in $100M-$1B
597
Net Interest Margin
profitability
Value: 4.45%
Peer Median: 3.99%
#597 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (2 metrics)

2475
Delinquency Rate
credit_quality
Value: 3.07%
Peer Median: 0.92%
#2475 of 2633 Bottom 6.0% in $100M-$1B
2449
Nonperforming Asset Ratio
credit_quality
Value: 1.97%
Peer Median: 0.67%
#2449 of 2643 Bottom 7.4% in $100M-$1B
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