The First National Bank of Grayson: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Grayson of Grayson, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.75% | 1.34% | +0.41% | 76th top |
| ROAE | 14.81% | 13.31% | +1.50% | 65th above |
| Net Interest Margin | 4.81% | 3.93% | +0.88% | 88th top |
| Efficiency Ratio | 54.20% | 61.14% | -6.94% | 71st above |
| PPNR / Avg Assets | 2.51% | 1.68% | +0.83% | 89th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.65% | 5.67% | -0.02% | 52nd above |
| Cost of Funds | 0.93% | 1.88% | -0.95% | 93rd top |
| Net Interest Spread | 4.13% | 3.32% | +0.81% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.94% | +0.06% | 28th below |
| NPA / Total Assets | 0.71% | 0.70% | +0.01% | 29th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| ACL / NPLs (Coverage) | 114.75% | 1539.23% | -1424.48% | 32nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.54% | 7.33% | -1.79% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 451.52% | 1396.01% | -944.49% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.98% | 12.14% | +0.84% | 75th top |
| Equity / Assets | 12.04% | 11.37% | +0.67% | 71st above |
| TCE / Tangible Assets | 12.04% | 11.09% | +0.95% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.70% | 80.64% | -6.94% | 64th above |
| Core Deposit Ratio | 92.90% | 86.86% | +6.04% | 73rd above |
| Wholesale Funding Ratio | 0.14% | 5.04% | -4.90% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.07% | 6.85% | -3.78% | 40th below |
| Loan Growth (Y/Y) | 9.75% | 7.90% | +1.85% | 73rd above |
| Deposit Growth (Y/Y) | 2.32% | 6.29% | -3.97% | 37th below |
See The First National Bank of Grayson's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Grayson, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Grayson profile, how to read a UBPR, or how this data updates.