What is The Commercial Bank of Grayson's financial health grade?

The Commercial Bank of Grayson has a TFS Financial Health Grade of C (score: 73.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Commercial Bank of Grayson have?

The Commercial Bank of Grayson has 3 branch locations across the United States.

Is The Commercial Bank of Grayson FDIC insured?

Yes, The Commercial Bank of Grayson is FDIC insured (Certificate #10137).

What are the total assets of The Commercial Bank of Grayson?

The Commercial Bank of Grayson has total assets of $244.9M as reported in its most recent FDIC filing.

The Commercial Bank of Grayson

BankGrayson, Kentucky

cbgrayson.com

Total Assets

$244.9M

Total Deposits

$217.0M

Branches

Established

1891

TFS Health Grade

73.5 / 100

Average financial health

How we grade

The Commercial Bank of Grayson is a bank headquartered in Grayson, Kentucky, established in 1891. With $244.9M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio

11.39%(8%)

Total Capital Ratio

20.01%(10%)

Non-Performing Loan Ratio

2.52%

Profitability

Return on Assets (ROA)

1.02%(1%)

Return on Equity (ROE)

9.76%(10%)

Net Interest Margin

4.11%

Efficiency Ratio

67.71%(60%)

Lending & Liquidity

Total Loans

$149.2M

Loan-to-Deposit Ratio

67.75%

Net Charge-Off Ratio

0.04%

Growth

Asset Growth (YoY)

+6.41%

Deposit Growth (YoY)

+5.43%

Net Income

$2.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Commercial Bank of GraysonHQ	208 E Main St	Grayson	KY	11
The Commercial Bank of Grayson	109 N Carol Malone Blvd	Grayson	KY	11
The Commercial Bank of Grayson	Tom T. Hall Boulevard	Olive Hill	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.