The Commercial Bank of Grayson
Grayson, KY
IDRSSD: 812614
Total Assets
$244.88M
Latest filing
Total Deposits
$217.01M
Latest filing
Net Interest Margin
4.36%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Commercial Bank of Grayson
208 E Main St
Grayson, KY 41143
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1891FDIC Certificate 6488
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Commercial Bank of Grayson (Main) | 208 E Main St | Grayson, KY |
| INTERCHANGE BRANCH | 109 N Carol Malone Blvd | Grayson, KY |
| OLIVE HILL BRANCH | Tom T. Hall Boulevard | Olive Hill, KY |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41143 |
| State and County Number | 21043 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Huntington-Ashland, WV-KY-OH |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | cbgrayson.com |
| Data Updated | 01/30/2026 |
| CERT | 10137 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $244.88M |
| Total Deposits | $217.01M |
| Total Liabilities | $218.82M |
| Total Equity Capital | $26.05M |
| Net Income | $678.00k |
| Net Loans and Leases | $147.01M |
| Assets Per Employee ($Millions) | $5.1M |
| Bank Premises and Fixed Assets | $2.79M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $217.01M |
Key Performance Ratios
| Return on Assets (ROA) | 1.12% |
| Return on Equity (ROE) | 10.44% |
| Net Interest Margin | 4.36% |
| Efficiency Ratio | 63.35% |
| Tier 1 Risk-Based Capital Ratio | 18.756% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.64% |
| Earning Assets to total Assets | 91.55% |
Income and Expense
| Total Interest Income | $3.00M |
| Total Noninterest Income | $362.00k |
| Total Interest Expense | $555.00k |
| Total Noninterest Expense | $1.78M |
| Net Interest Income | $2.45M |
| Pre-tax Net Operating Income | $966.00k |
| Provision for Credit Losses | $63.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.17M |
| All Other Liabilities | $645.00k |
| Total Liabilities and Capital | $244.88M |
Securities
| Securities | $76.21M |
| Available-for-sale debt securities | $76.21M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Commercial Bank of Grayson?
$244.88M as of the latest filing.
How much are The Commercial Bank of Grayson's total deposits?
$217.01M in total deposits.
Where is The Commercial Bank of Grayson located?
Grayson, KY.
What is the Net Interest Margin?
4.36%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1891.
What is the Return on Assets (ROA)?
1.12%.
How much are total loans and leases?
$147.01M (latest filing).
What is the total interest income (latest filing)?
$3.00M.