Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs The Commercial Bank of Grayson
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | The Commercial Bank of Grayson |
|---|---|---|
| TellerScore | 79 (stronger) | 49 |
| Capital cushion | 85 (stronger) | 60 |
| Loan quality | 72 (stronger) | 0 |
| Earnings | 61 (stronger) | 59 |
| Funding & liquidity | 95 (stronger) | 88 |
| Problem-loan coverage | 94 (stronger) | 64 |
| Peer percentile | 75th | 6th |
| Total assets | $669.9M | $242.0M |
| Deposits / shares | $571.0M | $215.4M |
| Capital ratio | 13.51% (stronger) | 11.01% |
| Problem loans | 0.85% (stronger) | 3.03% |
| Net charge-offs | 0.03% (stronger) | 0.10% |
| Return on assets | 1.04% (stronger) | 0.98% |
| Loans ÷ deposits | 59.8% (stronger) | 72.2% |
| Uninsured deposits | 20.0% | 11.5% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Citizens Bank of Kentucky, Inc. has the higher TellerScore (79 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 6 and The Commercial Bank of Grayson on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Grayson, KY