The Commercial Bank of Grayson: how it compares with its peers
Against 59 KY banks with half to twice its assets, The Commercial Bank of Grayson's strongest measure in Q2 2026 is net interest margin (4.45% vs. a 4.08% peer median). Its weakest relative measure is efficiency ratio (71.82% vs. 59.47%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.45% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 4.08% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.82% | 59.47% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $5.9M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.19% | 81.87% | Context |
What it means for lending operations
Its efficiency ratio of 71.82% is above the 59.47% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Taylor County Bank Campbellsville, KY · $244M
- Lewisburg Banking Company Lewisburg, KY · $246M
- Farmers Bank and Trust Company Princeton, KY · $248M
- Citizens Bank Mount Vernon, KY · $250M
- Bank of Columbia Columbia, KY · $231M
- The First National Bank of Manchester Manchester, KY · $230M
Questions about The Commercial Bank of Grayson
How big is The Commercial Bank of Grayson?
The Commercial Bank of Grayson, established in 1891, is headquartered in Grayson, KY. It reported $242M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Commercial Bank of Grayson's return on assets?
0.98% annualized in Q2 2026, against a 1.45% median for 59 KY banks with half to twice its assets, ahead of 22% of them.
What is The Commercial Bank of Grayson's efficiency ratio?
71.82% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 59.47%, and lower is better.
Is The Commercial Bank of Grayson growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.