BlastPoint's Banking Scorecard
The Commercial Bank of Grayson
Micro
Specialty: Commercial
KY
FDIC cert 10137
Designations: ✓ Community bank
Grayson, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
The Commercial Bank of Grayson has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.30% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.92% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$244.9M
+6.4% YoY
+1.7% QoQ
|
+$27.4M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$147.0M
+2.6% YoY
+0.9% QoQ
|
+$7.8M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$217.0M
+5.4% YoY
+1.4% QoQ
|
+$33.4M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.02%
+19.7% YoY
+3.3% QoQ
|
-0.06% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
4.11%
+8.6% YoY
+2.3% QoQ
|
+0.26% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
67.71%
-6.1% YoY
-2.3% QoQ
|
-0.02% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
2.56%
+3.8% YoY
-12.7% QoQ
|
+1.92% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
67.75%
-2.7% YoY
-0.6% QoQ
|
-6.78% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
36.70%
-2.9% YoY
-0.3% QoQ
|
+14.30% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
1.53%
+0.1% YoY
-13.4% QoQ
|
+1.08% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
18.76%
+4.8% YoY
-0.5% QoQ
|
+9.90% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.60%
-16.4% YoY
+30.2% QoQ
|
+0.04% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.70%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.56%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.70% · Tier avg: 22.39%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.76% · Tier avg: 8.85%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
64
64th pctile
Total Deposits
Current: $217.0M · Tier avg: $183.7M
64
64th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.85%
61
61th pctile
Total Assets
Current: $244.9M · Tier avg: $217.5M
59
59th pctile
Total Loans
Current: $147.0M · Tier avg: $139.2M
47
47th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
46
46th pctile
Efficiency Ratio
Current: 67.71% · Tier avg: 67.73%
35
35th pctile
Loan-to-Deposit Ratio
Current: 67.75% · Tier avg: 74.53%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.53% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.56% · Tier avg: 0.64%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.56% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.53% · Tier avg: 0.45%
35
35th pctile
Loan-to-Deposit Ratio
Current: 67.75% · Tier avg: 74.53%
46
46th pctile
Efficiency Ratio
Current: 67.71% · Tier avg: 67.73%
47
47th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
59
59th pctile
Total Loans
Current: $147.0M · Tier avg: $139.2M
61
61th pctile
Total Assets
Current: $244.9M · Tier avg: $217.5M
64
64th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.85%
64
64th pctile
Total Deposits
Current: $217.0M · Tier avg: $183.7M
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.76% · Tier avg: 8.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.70% · Tier avg: 22.39%