This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Princeton, KY
Health score
83.7
Total assets
$247.8M
Bank
Grayson, KY
Health score
72.6
Total assets
$242.0M
Answer first
Farmers Bank and Trust Company leads on financial health and profitability and lending quality and growth; The Commercial Bank of Grayson leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Farmers Bank and Trust Company
Higher TFS health score
Capitalization
The Commercial Bank of Grayson
Higher comparable capital ratio
Profitability
Farmers Bank and Trust Company
Higher return on assets
Lending quality
Farmers Bank and Trust Company
Lower problem-loan measure
Growth
Farmers Bank and Trust Company
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Farmers Bank and Trust Company | The Commercial Bank of Grayson |
|---|---|---|
| TFS health score | 83.7/100Leads | 72.6/100 |
| Total assets | $247.8M | $242.0M |
| Total deposits / shares | $215.1M | $215.4M |
| Tier 1 capital ratio | 9.46% | 11.01%Leads |
| Return on assets | 1.63%Leads | 0.98% |
| Return on equity | 22.23%Leads |
Farmers Bank and Trust Company
4 branches
The Commercial Bank of Grayson
3 branches
Both institutions report branches in 1 state: KY.
Farmers Bank and Trust Company
Unavailable
The Commercial Bank of Grayson
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Farmers Bank and Trust Company
0 in TFS registry
The Commercial Bank of Grayson
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Farmers Bank and Trust Company score | Farmers Bank and Trust Company ROA | The Commercial Bank of Grayson score | The Commercial Bank of Grayson ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.02% | — | 0.85% |
| 2024-Q4 | — | 1.10% | — | 0.85% |
| 2025-Q1 | — | 1.20% | — | 0.65% |
| 2025-Q2 | — | 1.37% | — | 0.89% |
| 2025-Q3 | — | 1.43% | — | 0.99% |
| 2025-Q4 | — | 1.45% | — | 1.02% |
| 2026-Q1 | 82.3/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 9.51% |
| Non-performing loans | 0.04%Leads | 3.03% |
| Net charge-offs | 0.01%Leads | 0.10% |
| Efficiency ratio | 58.31%Leads | 71.82% |
| Loan-to-deposit ratio | 86.48% | 72.19% |
| Asset growth (YoY) | 11.35%Leads | 0.80% |
| Deposit / share growth (YoY) | 5.82%Leads | 0.51% |
| Branches | 4 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.48% |
| 70.1/100 |
| 0.68% |
| 2026-Q2 | 83.7/100 | 1.63% | 72.6/100 | 0.98% |