The Commercial Bank of Grayson is a state-chartered bank headquartered in Grayson, Kentucky, in business for about 135 years. At the end of Q2 2026 it reported $242.0M in total assets and $215.4M in deposits, with 3 offices.
Based on its Q2 2026 filing, The Commercial Bank of Grayson scores 49/100, which we describe as below average. That is higher than only 6% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 113th. Its strongest component is funding & liquidity (88/100; 72% loans-to-deposits, 11% uninsured), and its lowest is loan quality (0/100; 3.03%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (55 → 49), mostly because the loan quality component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 64 |
| Q4 2024 | 57 |
| Q1 2025 | 49 |
| Q2 2025 | 55 |
| Q3 2025 | 54 |
| Q4 2025 | 57 |
| Q1 2026 | 47 |
| Q2 2026 | 49 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.13% |
| Q3 2024 | 12.08% |
| Q4 2024 | 11.80% |
| Q1 2025 | 11.64% |
| Q2 2025 | 11.54% |
| Q3 2025 | 11.64% |
| Q4 2025 | 11.39% |
| Q1 2026 | 10.86% |
| Q2 2026 | 11.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.16% |
| Q3 2024 | 1.80% |
| Q4 2024 | 2.43% |
| Q1 2025 | 3.13% |
| Q2 2025 | 2.56% |
| Q3 2025 | 2.88% |
| Q4 2025 | 2.52% |
| Q1 2026 | 3.40% |
| Q2 2026 | 3.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.89% |
| Q3 2025 | 0.99% |
| Q4 2025 | 1.02% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.98% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $242.0M | 11.01% | 3.03% | 0.98% | 72.2% |
| Q1 2026 | 47 | $244.3M | 10.86% | 3.40% | 0.68% | 68.2% |
| Q4 2025 | 57 | $244.9M | 11.39% | 2.52% | 1.02% | 67.7% |
| Q3 2025 | 54 | $240.8M | 11.64% | 2.88% | 0.99% | 68.1% |
| Q2 2025 | 55 | $240.1M | 11.54% | 2.56% | 0.89% | 66.9% |
| Q1 2025 | 49 | $237.2M | 11.64% | 3.13% | 0.65% | 67.7% |
| Q4 2024 | 57 | $230.1M | 11.80% | 2.43% | 0.85% | 69.6% |
| Q3 2024 | 64 | $227.2M | 12.08% | 1.80% | 0.85% | 69.8% |
| Q2 2024 | 60 | $225.0M | 12.13% | 2.16% | 0.82% | 69.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Taylor County BankBank Campbellsville, KY | 77 out of 100, Strong | $243.8M | 12.9% | 0.97% | vs |
| Lewisburg Banking CompanyBank Lewisburg, KY | 72 out of 100, Strong | $246.1M | 9.0% | 0.48% | vs |
| Farmers Bank and Trust CompanyBank Princeton, KY | 76 out of 100, Strong | $247.8M | 9.5% | 0.04% | vs |
| Citizens BankBank Mount Vernon, KY | 60 out of 100, Moderate | $250.4M | 8.1% | 0.96% | vs |
| Bank of ColumbiaBank Columbia, KY | 76 out of 100, Strong | $231.1M | 9.3% | 0.19% | vs |
| The First National Bank of ManchesterBank Manchester, KY | 55 out of 100, Moderate | $230.1M | 9.9% | 1.62% | vs |
Deposit insurance
Is my money safe at The Commercial Bank of Grayson?
Yes. The Commercial Bank of Grayson is an FDIC-insured institution (FDIC certificate #10137). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.5% of deposits ($24.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.85% (benchmark: 10%).
3 locations
Branches
The Commercial Bank of Grayson lists 3 offices in 2 cities. Most locations:
- Grayson, KY (2)
- Olive Hill, KY (1)
Identity & history
Profile
- Legal name
- The Commercial Bank of Grayson
- Type
- State-chartered bank
- FDIC certificate #
- 10137
- RSSD ID
- 812614
- Primary regulator
- FDIC
- Holding company
- Commercial Grayson Bancshares
- Established
- January 1, 1891
- Headquarters
- 208 E Main St, Grayson, KY 41143
- Website
- cbgrayson.com
- Employees
- 49
Quick answers
The Commercial Bank of Grayson: common questions
Is The Commercial Bank of Grayson FDIC insured?
Yes. The Commercial Bank of Grayson is an FDIC-insured institution (FDIC certificate #10137). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Commercial Bank of Grayson's TellerScore?
49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Commercial Bank of Grayson ever failed?
There is no failure record for FDIC certificate #10137 in the FDIC failed bank list.
How many branches does The Commercial Bank of Grayson have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Grayson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kentucky Farmers Bank CorporationBank Catlettsburg, KY | 93 out of 100, Very strong | $328.5M | 15.7% | 0.43% | vs |
| Liberty BankBank Ironton, OH | 82 out of 100, Strong | $55.7M | 18.0% | 0.77% | vs |
| F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY | 81 out of 100, Strong | $8.8M | 14.3% | 0.00% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Citizens Bank of Kentucky, Inc.Bank Paintsville, KY | 79 out of 100, Strong | $669.9M | 13.5% | 0.85% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |