Bank call report · Grayson, KY
The First National Bank of Grayson Call Report
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The First National Bank of Grayson filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 294 reported line items, schedule by schedule (399 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 610913 |
| FDIC certificate number | 2695 |
| Total assets | $371.9M |
Official Q2 2026 call report PDF (FFIEC) →
The First National Bank of Grayson call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · The First National Bank of Grayson balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $371.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $371.9M |
| Total Liabilities and Minority Interest | RCON2948 | $327.1M |
| Total Deposits | RCON2200 | $325.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $239.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $237.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $202.2M |
| Deposits: Noninterest-bearing | RCON6631 | $123.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $90.2M |
| Total Equity Capital | RCON3210 | $44.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $44.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $42.7M |
| Interest-bearing Balances | RCON0071 | $26.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $6.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.7M |
| Other Assets | RCON2160 | $4.0M |
| Surplus | RCON3839 | $3.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$3.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.8M |
| Common Stock | RCON3230 | $2.0M |
| Other Liabilities, Total | RCON2930 | $1.1M |
| Federal Funds Sold | RCONB987 | $967K |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $511K |
| Intangible Assets | RCON2143 | $239K |
| Other Real Estate Owned | RCON2150 | $233K |
Schedule RI: Income Statement (42 items)
About Schedule RI · The First National Bank of Grayson income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $9.8M |
| Net Interest Income | RIAD4074 | $8.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $8.0M |
| Total Noninterest Expense | RIAD4093 | $5.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.5M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.4M |
| Net Income (Loss) | RIAD4340 | $3.4M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.4M |
| Salaries and Employee Benefits | RIAD4135 | $3.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $2.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.9M |
| Total Noninterest Income | RIAD4079 | $1.6M |
| Total Interest Expense | RIAD4073 | $1.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1.4M |
| Applicable Income Taxes | RIAD4302 | $1.2M |
| Other Noninterest Expense | RIAD4092 | $1.1M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $878K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $835K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $783K |
| Other Noninterest Income | RIADB497 | $727K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $699K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $686K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $606K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $436K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $290K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $266K |
| Provision for Loan and Lease Losses | RIAD4230 | $149K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $149K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $131K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $119K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $68K |
| Noninterest income: Income from insurance activities | RIADHT74 | $43K |
| Interest on Other Securities | RIAD4060 | $39K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $22K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $18K |
| Net Servicing Fees | RIADB492 | $16K |
| Other Interest Income | RIAD4518 | $16K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $12K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $7K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 85 |
Schedule RC-B: Securities (28 items)
About Schedule RC-B · The First National Bank of Grayson securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $24.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $21.1M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $94.8M |
| Pledged Securities | RCON0416 | $76.1M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $41.4M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $41.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $33.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $27.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $25.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $21.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $19.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $18.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $7.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $4.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $4.3M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $4.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $4.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $2.4M |
| Amortized Cost of Structured Notes | RCON8782 | $2.0M |
| Fair Value of Structured Notes | RCON8783 | $2.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $1.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $940K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $903K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $589K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $552K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $2K |
Schedule RC-C, Part I: Loans and Leases (38 items)
About Schedule RC-C, Part I · The First National Bank of Grayson loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $239.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $92.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $81.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $77.4M |
| Pledged Loans and Leases | RCONG378 | $60.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $44.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $39.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $27.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $23.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $22.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $21.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $20.5M |
| Commercial and Industrial Loans | RCON1766 | $20.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $15.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $11.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $10.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $9.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $9.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $8.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $8.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $7.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $6.9M |
| Real Estate Loans Secured by Farmland | RCON1420 | $6.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $5.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $5.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $4.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $1.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $617K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $471K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $459K |
| Other Loans | RCONJ464 | $327K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $131K |
| Unearned Income on Loans | RCON2123 | $122K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $93K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $69K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Other Construction Loans and All Land Development and Other Land Loans | RCONK159 | $56K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $37K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $15.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $7.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $5.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $611K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $571K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $437K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $314K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 124 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 56 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 42 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 28 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 27 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 25 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 23 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 12 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 9 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 5 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 1 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · The First National Bank of Grayson deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $200.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $144.5M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $125.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $123.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $114.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $62.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $55.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $31.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $23.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $22.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $17.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $17.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $16.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $14.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $14.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $10.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $9.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $7.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $5.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $632K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $310K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $133K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $1.5M |
| Accrued Interest Receivable | RCONB556 | $1.5M |
| Other Assets | RCON2168 | $492K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $460K |
| Prepaid Expenses | RCON2166 | $319K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $124K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $397K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $370K |
| Other Expenses Accrued and Unpaid | RCON3646 | $281K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $176K |
| Operating lease liabilities | RCONLB56 | $112K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $11K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · The First National Bank of Grayson quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $371.5M |
| Quarterly Average of Total Loans | RCON3360 | $234.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $93.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $86.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $81.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $67.2M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $50.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $35.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $35.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $32.0M |
| Mortgage-backed Securities | RCONB559 | $30.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $22.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $15.6M |
| All Other Securities | RCONB560 | $4.8M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $4.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $1.2M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $511K |
| Quarterly Average of Other Borrowed Money | RCON3355 | $1K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · The First National Bank of Grayson derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $10.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $8.2M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $6.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $3.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.1M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $112K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · The First National Bank of Grayson memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $239K |
| Mortgage Servicing Assets | RCON3164 | $239K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $205K |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $28K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (23 items)
About Schedule RC-N · The First National Bank of Grayson past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.3M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $856K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $740K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $718K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCONK128 | $590K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $503K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $388K |
| Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by Farmland in Domestic Offices Included in All Other Loans: Nonaccrual | RCONK132 | $377K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $377K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $266K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $222K |
| All Other Loans - Nonaccrual | RCON5461 | $213K |
| Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty to Finance Agricultural Production and Other Loans to Farmers Included in All Other Loans: Nonaccrual | RCONK140 | $213K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $213K |
| Additions to Nonaccrual Assets | RCONC410 | $204K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $194K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $136K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $104K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $62K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $43K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $37K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $30K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $20K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · The First National Bank of Grayson other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $371.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $325.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $195.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $121.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $48.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $8.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $943K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 21,097 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 363 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 130 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · The First National Bank of Grayson regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $371.9M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $371.5M |
| Average total consolidated assets | RCOAKW03 | $371.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $48.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $48.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $48.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $44.8M |
| Retained Earnings | RCOAKW00 | $42.7M |
| Unconditionally Cancellable Commitments | RCOAS540 | $21.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $5.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$3.5M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$3.5M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $112K |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $112K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1298 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0003 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $44.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $41.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $41.7M |
| Other Comprehensive Income | RIADB511 | -$248K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $95K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (11 items)
About Schedule RI-B, Part I · The First National Bank of Grayson charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $68K |
| Charge-offs on All Other Loans | RIAD4644 | $45K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $35K |
| Recoveries on All Other Loans | RIAD4628 | $23K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $10K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $10K |
| Charge-offs on Automobile Loans | RIADK129 | $7K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $6K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $2K |
| Recoveries on Automobile Loans | RIADK133 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · The First National Bank of Grayson changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.8M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.6M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $68K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $23.4M |
The First National Bank of Grayson call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The First National Bank of Grayson call report?
The The First National Bank of Grayson call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The First National Bank of Grayson file?
The First National Bank of Grayson files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The First National Bank of Grayson call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The First National Bank of Grayson has Federal Reserve RSSD ID 610913 and FDIC certificate number 2695. Either one finds its filings on the FFIEC Central Data Repository.
How often does The First National Bank of Grayson file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The First National Bank of Grayson financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 2695) · FFIEC NIC profile (RSSD 610913)