The First National Bank of Grayson
Also written as FNB of Grayson
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Grayson is an FDIC-insured commercial bank headquartered in Grayson, KY, established in 1902 (FDIC certificate 2695), and it is supervised by the OCC. At Q2 2026 it reported total assets of $371.9M, up 3.1% from Q2 2025, the 54th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2695
- Headquarters
- Grayson, KY
- Established
- 1902
- Total assets, Q2 2026
- $371.9M
- Assets vs Q2 2025
- +3.1%
- Tier 1 leverage ratio, Q2 2026
- 12.98%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 042103473
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Grayson call report
- Holding company
- FIRST GRAYSON BANCORP, INC.
- Asset rank in state
- 54th of 120 in Kentucky
The First National Bank of Grayson, based in Grayson, Kentucky, reported $372 million in assets at June 30, 2026, up 3.1% from a year earlier. It pays an average of 0.93% on its deposits and borrowings, about half the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 4.81 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.96 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.96% of loans, down from 1.52% a year earlier. Loans are outrunning deposits: over the year loans rose 9.7% and deposits rose 2.3%.
As of June 30, 2026, The First National Bank of Grayson reported a return on assets of 1.75%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 5.35%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Grayson is the 54th largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $371.9M, loans rose 4.4% and deposits rose 2.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.8% of total loans, ahead of owner-occupied commercial real estate loans at 18.5%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in KY; its Grayson 2 offices book 60% of its branch deposits. On its Q2 2026 call report, The First National Bank of Grayson meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 S Carol Malone Blvd, Grayson, KY 41143
- County
- Carter
- Metro Area
- Huntington-Ashland, WV-KY-Oh
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $325.5M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $33K
- Average total assets
- $371.5M
- Average total loans
- $234.5M
- Average interest-bearing deposits
- $199.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2695
- Fed RSSD
- 610913
- Website
- WWW.FNBGRAYSON.COM →
- Parent Holding Company
- FIRST GRAYSON BANCORP, INC. (RSSD 1823747)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Grayson reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Grayson's total assets ran between $317.8M (Q3 2023) and $371.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$371.9M total assets against $360.8M; $327.1M total liabilities against $320.4M.
$237.2M net loans and leases against $216.1M; $325.5M total deposits against $318.2M.
$90.2M securities against $92.6M; $33.3M cash and balances due against $40.7M.
$5.0M total interest income against $4.8M; $754K total interest expense against $947K.
$4.3M net interest income against $3.8M.
$798K total noninterest income against $787K; $2.8M total noninterest expense against $2.6M.
$121K provision for credit losses against $52K.
$1.6M net income against $1.5M.
1.75% return on assets against 1.59%; 4.81% net interest margin against 4.30%.
12.98% tier 1 leverage ratio against 11.97%.
Inside the full The First National Bank of Grayson terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Grayson rankings
Its closest position to the top of a national ranking is 812 of 3,611, for ROA; its furthest is 2,159 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.55% (Q3 2024) to 1.94% (Q3 2025) and its net interest margin ran from 4.11% (Q3 2024) to 4.81% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.98% | 1.75% | 0.96% | 5.35% | 4.81% |
| Q1 2026 | 12.79% | 1.90% | 1.29% | 6.97% | 4.60% |
| Q4 2025 | 12.19% | 1.91% | 1.49% | 7.69% | 4.62% |
| Q3 2025 | 12.57% | 1.94% | 1.52% | 7.49% | 4.53% |
| Q2 2025 | 11.97% | 1.59% | 1.52% | 7.82% | 4.30% |
| Q1 2025 | 11.61% | 1.56% | 1.16% | 6.28% | 4.12% |
| Q4 2024 | 11.51% | 1.73% | 1.31% | 7.24% | 4.13% |
| Q3 2024 | 12.61% | 1.55% | 1.31% | 6.77% | 4.11% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Grayson | Grayson , KY | 41143 | $192.2M |
| Olive Hill Branch | Olive Hill , KY | 41164 | $43.1M |
| Sandy Hook Branch | Sandy Hook , KY | 41171 | $24.7M |
| West Liberty Branch | West Liberty , KY | 41472 | $23.4M |
| Morehead Branch | Morehead , KY | 40351 | $22.7M |
| Cannonsburg Branch | Ashland , KY | 41102 | $15.7M |
| Grayson Branch | Grayson , KY | 41143 | $3.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KY, rank 68 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Grayson
What are The First National Bank of Grayson's total assets?
As of the Q2 2026 filing, The First National Bank of Grayson reported total assets of $371.9 million in its FFIEC call report.
Where is The First National Bank of Grayson headquartered?
It is headquartered in Grayson, KY, United States.
When was The First National Bank of Grayson founded?
It was established in 1902, per the FDIC institution directory.
Is The First National Bank of Grayson FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2695). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Grayson?
The First National Bank of Grayson's primary federal regulator is the OCC.
How many branches does The First National Bank of Grayson operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Grayson's Texas Ratio?
Its Texas Ratio is 5.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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