The First National Bank of Grayson: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 29.08 percentage points in Q2 2026, from 85.67% to 114.75%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The First National Bank of Grayson is 28th of 119 on return on assets, 1.75% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The First National Bank of Grayson sits 0.50 points higher, at 1.75% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.98% |
| Equity capital to assets | 12.04% |
| Tangible equity to tangible assets | 12.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.00% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 5.54% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 114.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 14.81% |
| Net interest margin | 4.81% |
| Efficiency ratio | 54.20% |
| Yield on earning assets | 5.65% |
| Cost of funds | 0.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.70% |
| Core deposits to total deposits | 92.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.54% |
| Securities to assets | 24.24% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.48% | 1.51% | 4.12% | 0.60% | 0.06% |
| Q4 2023 | 12.37% | 1.47% | 4.11% | 0.70% | 0.22% |
| Q1 2024 | 12.57% | 1.47% | 4.09% | 0.70% | 0.06% |
| Q2 2024 | 12.82% | 1.42% | 4.23% | 1.12% | 0.09% |
| Q3 2024 | 12.61% | 1.55% | 4.11% | 1.33% | 0.04% |
| Q4 2024 | 11.51% | 1.73% | 4.13% | 1.33% | 0.04% |
| Q1 2025 | 11.61% | 1.56% | 4.12% | 1.21% | 0.03% |
| Q2 2025 | 11.97% | 1.59% | 4.30% | 1.57% | 0.01% |
| Q3 2025 | 12.57% | 1.94% | 4.53% | 1.58% | 0.08% |
| Q4 2025 | 12.19% | 1.91% | 4.62% | 1.51% | -0.01% |
| Q1 2026 | 12.79% | 1.90% | 4.60% | 1.35% | 0.01% |
| Q2 2026 | 12.98% | 1.75% | 4.81% | 1.00% | 0.04% |
The First National Bank of Grayson vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Grayson, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Grayson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2695) · FFIEC NIC profile (RSSD 610913)