🏦Bank Scorer

THE COMMERCIAL BANK OF GRAYSON

GRAYSON, KY · Supervised by FDIC

Est. 1891FDIC #10,137RSSD: FDIC-10137
Part ofCOMMERCIAL GRAYSON BANCSHARES→ View all charters
Satisfactory Same

Current rating · Exam: November 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.68%

Institution Profile

FDIC BankFind

Address

208 E Main St, GRAYSON, KY

County

Carter County

Established

January 1, 1891

Total Assets

$244M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$244M

Total Deposits

$219M

Net Loans

$149M

Net Income

$416K

ROA

0.68%

ROE

6.60%

Risk-Based Capital

18.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$214M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417287.79%0.00%
202319189.01%0.00%
202217386.71%0.00%
202116187.58%0.62%
202012286.89%0.00%
201910986.24%0.92%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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