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The Commercial Bank Of Grayson
Grayson, KY · FDIC Certificate #10137 · Chartered 01/0
Total assets
$242.02M
Total deposits
$215.43M
Total equity
$24.72M
Net loans
$155.53M
Branches (offices)
3
Net income (YTD)
$1.19M
Rank: #2,758 of 4,213 U.S. banks by assets · #73 of 120 in Kentucky. Assets changed 0.8% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 9.51% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 10.21% |
| Tier 1 leverage ratio | 11.01% |
| Uninsured deposits (share of deposits) | 11.5% |
| Noncurrent loans (share of loans) | 3.03% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 72.2% |
| Real estate loans (share of loans) | 75.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $116.73M | 75.1% | |
| Commercial & industrial | $16.89M | 10.9% | |
| Consumer / individual | $19.95M | 12.8% | |
| Construction & development | $6.00M | 3.9% | |
| Agricultural | $715.00K | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $219.20M | $198.15M | $633.00K | $20.45M |
| Jun 2023 | $213.10M | $189.08M | $442.00K | $20.11M |
| Jun 2024 | $224.99M | $196.83M | $902.00K | $22.63M |
| Jun 2025 | $240.09M | $214.34M | $1.05M | $24.87M |
| Jun 2026 | $242.02M | $215.43M | $1.19M | $24.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $215.43M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $215.43M.
Similar-sized banks
Arcadian Bank ($242.15M) · National Bank & Trust ($241.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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