# COMMERCIAL BANK OF GRAYSON
GRAYSON, KY · FDIC certificate 10137 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $242.0M | |
| Deposits | $215.4M | |
| Loans and leases | $157.7M | |
| Total equity | $24.7M | |
| Loans / deposits | 72.19% (p47 of band) | 73.59% |
| Liquid assets / assets | 33.54% (p52 of band) | |
| Uninsured deposits / deposits | 11.47% (p19 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.48% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.01% (p40 of band) | 11.76% |
| Unrealized securities loss / equity | -11.98% (p36 of band) | -6.57% |
| AOCI / equity | -1.41% (p20 of band) | |
| ROA (annualized) | 0.98% (p38 of band) | 1.17% |
| Net interest margin | 4.45% (p75 of band) | 3.93% |
| Efficiency ratio | 71.82% (p64 of band) | |
| Noncurrent loans | 3.03% (p92 of band) | 0.36% |
| Net charge-offs (annualized) | 0.06% (p83 of band) | |
| Reserve coverage of noncurrent | 45.49% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 24.28% (p58 of band) | |
| Auto loans | $10.2M (6.49% of loans; DQ 1.17%, NCO 0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 2 | reserve under noncurrent |  |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | charge-offs p90 | capital falling |
| 2022-12 | 2 |  | charge-offs p90 |
| 2023-03 | 6 | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 | noncurrent p90 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 5 | charge-offs p90 |  |
| 2024-03 | 3 |  | capital falling, charge-offs p90 |
| 2024-06 | 2 |  | securities losses >30% of equity |
| 2024-09 | 1 |  | noncurrent p90 |
| 2024-12 | 3 | capital falling, noncurrent p90 |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | capital falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-10-11 [Strother elected Chair of State Banking Association - Carter County Times](https://news.google.com/rss/articles/CBMimAFBVV95cUxQYVZoRHZlMEtGWG5tMDZCRjgyWnlxc0d4ZlZYaUJ3cDg3Skw2TDFYcUJIcmMtdWRmV3ZwTENZeURVaGtMR0pEaWJVS0Yxa0RIM1ZubHkwblJFV1RkbGNBcmpzdnIxdEZqZC0zWEFDRm5KWHAtR0V6dG5oZEtCQ3RMc3dSVjZLNFhQaFMzaWlEU3dYNmxrbmJ3ag?oc=5) · Carter County Times
- 2021-09-08 [Northeast Kentucky small business awards slated for Sept. 9 - Morehead State University](https://news.google.com/rss/articles/CBMipAFBVV95cUxNV1JjMFA5d0J2ZzVZdHVyQ19FSE9naVRGR0QwamptWF9jSXpINjF6T0NlWHdEZWRicGJFSDlyZ015dWJFUF9WS3VBNkhCLUlITG53T3RpRDZZc1FsOWdXLVNVYXRFbzdmOHpDbjlyaVVZOUNsYjRrc196QmpPaFljc3NCSHpmZFhhdmpVTjhjVDFINWF6RTFKeTFvbDRoU3J3dlJ6Tw?oc=5) · Morehead State University
- 2024-08-21 [EMS finalizes purchases - Carter County Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxNb1RKQU52ZVU0THBpcC16bGJnS1NnVlprNUtac2ZpQmtEclo4MWpBbDhsRkhXRzhWM1BYTl9feDUwd0gybmkzZ3FvY3h1OFZXOVR0ZGEzSFlnUzUyVDVMdXJQUDF0VTJmdmQtckhwZEc2WVZRci1OX2YtRE9qdVdGWXdVTXBUOXJ0YWR0bA?oc=5) · Carter County Times
- 2025-09-30 [2025 Trick-or-Treat times, dates - wsaz.com](https://news.google.com/rss/articles/CBMickFVX3lxTE1OT2lhZGdqa3VSWkV0Y3JFNTNIbUEycG5OUW9HX251X1NFWmdUeExnZXdsSWtqd3htV3JIM3pNdzNSSWsyWE1RRjd6NXVyd1NYZ3ExX25GS2ZSbHFFeEl2eTlCVFJtMTkyOVNwOThUcVFaUdIBhgFBVV95cUxNcHVlMzJsM0ZjYjZXMVgzejVzTGhPOU8xVDhGN2t4VVF3cDVfNmFWcm9fcjBkRmxEU2NWai1VVnFWU1NUaWJKendUVng5NjI5eW8td3hZNmZXWHF5MERZeGt1OWZGbUpsanFKaXRmT3ZaT2NuNFNnTTB5bXVRTE9DYUZYRktFZw?oc=5) · wsaz.com
- 2025-10-01 [Mary Jungers Obituary (1927 - 2025) - Katy, TX - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQ0hIbWNzc3g3NFlzNFFqSGNHcFdiNEVoZUdZcEEydmxHSi1QSGZtMXVLbHZIWVdWV0xac1VweVFmQlFfRVI5SzVYYW5xRUxFUTV4bVh5Y0J3M2NEWEZuUGktZ09iSERjdktaQzVwTXBpbmRia0VwX21ZVGUzbGN6UnBrR0RxZ0c0dXhLd0NoajkzQQ?oc=5) · legacy.com
- 2016-05-25 [Old Dominion bringing high energy show to Grayson - The Daily Independent](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOel9DLVV1ZEladzlTVXpBUV83YTh6eDhFNTdLdHp1MkxwM2RoQzFqNlBubzA2MTBrY0FRQ2p6VFJwRm9vdVljMjZnX0xieHNrNjVGTC0yR0NlVkZPSDZlUXljS0NKc0p0TWdXUnNMTnRXcTh4bUswSV9sNnhJYy1tLTVDNm5fRXBBY2RjbnRJSWhvZDFJcnVGUXJOa1dVemNtdFp6b01KMG5QdkJvZVp0cTlVXzd6UHc2N0VycV9CY1plQnNJNy1LMzJLNjdmdTRLLUt5ZzQ4WWxUMDVEVXFjQmdnZ3M?oc=5) · The Daily Independent
- 2025-01-02 [Staying above board - Carter County Times](https://news.google.com/rss/articles/CBMihAFBVV95cUxNUzBJN3pHeWh0RGZfYnpuVklwNTl6YUlMamJMZllvZ2JTNlNsQy1NN0dTQkROTm0xTnNOTzF6Wkk0TVFqMXRIdHF0T1UwNVlPWnJfdVNjWVNPSFFMMlVVV25mR1hUSTdSUlFrQzBrLXh2S0pVWDZSVy1BbTRHRkRWWDNvb2Y?oc=5) · Carter County Times
- 2020-12-23 [Uncle Jack Fultz’s Memories of Carter County: The rise and fall of Peoples Bank - Carter County Times](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQU1Z6SWdVTGpCMzl5dmNJLU5rR19MWDFYRGNRWGhWcVpQM1VWcEo1X1lzWE9NaHY1VUxEaXo5c1g2ZjJSWmRaVFFVVTNzZ05jM0hUQ3FnUDZaSFpCY1gzYmVQTW9VSERndDExbDhhSF9XTzcwcEg4WEwzeG5lWG5mUkhOSlM2ZmhkVmdicXowSjJXNmZaUDg5ZktKUmhydUtoUkdMUEFFUF9xLUhRWktZT1pCS1pvbV9X?oc=5) · Carter County Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10137 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "10137", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide