KY lenders / Community Bank
The Commercial Bank of Grayson
Community Bank · Grayson, KY · Commercial Grayson Bancshares
- Total assets
- $244.3M
- CRE loan book
- $47.4M
- QoQ CRE growth
- 0.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.96% as of Q1 2026 — TX bank median 4.87% (1.10pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.96% | 6.50% |
| Q4 2025 | 6.12% | 6.72% |
| Q3 2025 | 6.01% | 6.59% |
| Q2 2025 | 5.89% | 6.45% |
| Q1 2025 | 5.78% | 6.34% |
| Q4 2024 | 5.84% | 6.46% |
| Q3 2024 | 5.77% | 6.38% |
| Q2 2024 | 5.60% | 6.20% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $47.4M | $5.9M | $1.3M | 157% | $1.5M |
| Q4 2025 | $47.1M | $6.8M | $1.1M | 148% | $1.2M |
| Q3 2025 | $46.1M | $6.4M | $1.0M | 145% | $1.2M |
| Q2 2025 | $45.8M | $6.0M | $982,000 | 145% | $1.2M |
| Q1 2025 | $47.1M | $5.8M | $886,000 | 148% | $1.3M |
| Q4 2024 | $46.5M | $5.6M | $830,000 | 146% | $1.3M |
| Q3 2024 | $45.9M | $6.0M | $842,000 | 143% | $1.3M |
| Q2 2024 | $46.9M | $5.7M | $811,000 | 148% | $1.3M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Farmers State Bank of WaupacaCommunity Bank · Waupaca · $47.5M CRE book
- La Salle State BankCommunity Bank · La Salle · $47.0M CRE book
- Peoples Bank & Trust CompanyCommunity Bank · Manchester · $47.0M CRE book
- Farmers and Merchants BankCommunity Bank · Lafayette · $46.6M CRE book
- Alamosa State BankCommunity Bank · Alamosa · $46.6M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.