TellerScore

Headquartered in Grayson, Kentucky, The First National Bank of Grayson is a national bank with $371.9M in total assets and $325.5M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1902.

Based on its Q2 2026 filing, The First National Bank of Grayson scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 28th. Its strongest component is earnings (93/100; 1.84%), and its lowest is loan quality (68/100; 0.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Tier 1 leverage ratio: 12.98%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.96%
Earnings93/100
Return on assets (annualized): 1.84%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 72.9% · 27.4% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.35%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (70 → 79), mostly because the loan quality component improved by 19 points.

TellerScore
707579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202473
Q4 202470
Q1 202573
Q2 202570
Q3 202573
Q4 202572
Q1 202677
Q2 202679
Tier 1 leverage ratio
5.00%8.99%12.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.82%
Q3 202412.61%
Q4 202411.51%
Q1 202511.61%
Q2 202511.97%
Q3 202512.57%
Q4 202512.19%
Q1 202612.79%
Q2 202612.98%
Noncurrent loans
0.96%1.24%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.09%
Q3 20241.31%
Q4 20241.31%
Q1 20251.16%
Q2 20251.52%
Q3 20251.52%
Q4 20251.49%
Q1 20261.29%
Q2 20260.96%
Return on assets
1.43%1.67%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.43%
Q3 20241.44%
Q4 20241.53%
Q1 20251.58%
Q2 20251.61%
Q3 20251.73%
Q4 20251.79%
Q1 20261.91%
Q2 20261.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$371.9M12.98%0.96%1.84%72.9%
Q1 202677$364.3M12.79%1.29%1.91%71.2%
Q4 202572$362.6M12.19%1.49%1.79%70.9%
Q3 202573$361.1M12.57%1.52%1.73%69.2%
Q2 202570$360.8M11.97%1.52%1.61%67.9%
Q1 202573$369.0M11.61%1.16%1.58%65.0%
Q4 202470$361.9M11.51%1.31%1.53%64.9%
Q3 202473$365.0M12.61%1.31%1.44%62.4%
Q2 202477$326.8M12.82%1.09%1.43%69.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.98%
75th
Total risk-based capital0.00%
24th
Problem loans0.96%
29th
Net charge-offs0.03%
35th
Return on assets1.84%
81st
Net interest margin4.76%
87th
Efficiency ratio52.6%
78th
Loans to deposits72.9%
64th
Uninsured deposits27.4%
37th
Loan-loss reserves1.15%
44th
Texas ratio5.3%
33rd

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank & Trust CompanyBank Campbellsville, KY79 out of 100, Strong$383.4M13.1%0.57%vs
United Southern BankBank Hopkinsville, KY81 out of 100, Strong$353.7M12.7%0.37%vs
1st Trust Bank, Inc.Bank Hazard, KY64 out of 100, Moderate$351.7M9.6%0.15%vs
Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY77 out of 100, Strong$348.2M13.7%0.94%vs
First State BankBank Irvington, KY70 out of 100, Strong$402.0M11.2%1.33%vs
Bank of the Bluegrass and Trust CompanyBank Lexington, KY75 out of 100, Strong$407.0M10.8%0.03%vs

Deposit insurance

Is my money safe at The First National Bank of Grayson?

Yes. The First National Bank of Grayson is an FDIC-insured institution (FDIC certificate #2695). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.4% of deposits ($89.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

The First National Bank of Grayson lists 7 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Grayson reported 189 home-loan applications under HMDA (LEI 2549005B6S44QVVMBU11): 126 originated ($19,900,000 total), 41 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The First National Bank of Grayson
Type
National bank
FDIC certificate #
2695
RSSD ID
610913
Primary regulator
OCC
Holding company
First Grayson Bcorp Inc
Established
January 1, 1902
Headquarters
200 S Carol Malone Blvd, Grayson, KY 41143
Employees
85

Quick answers

The First National Bank of Grayson: common questions

Is The First National Bank of Grayson FDIC insured?

Yes. The First National Bank of Grayson is an FDIC-insured institution (FDIC certificate #2695). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Grayson's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Grayson ever failed?

There is no failure record for FDIC certificate #2695 in the FDIC failed bank list.

How many branches does The First National Bank of Grayson have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Grayson

InstitutionScoreAssetsCapitalProblem loansCompare
Kentucky Farmers Bank CorporationBank Catlettsburg, KY93 out of 100, Very strong$328.5M15.7%0.43%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY81 out of 100, Strong$8.8M14.3%0.00%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank of Kentucky, Inc.Bank Paintsville, KY79 out of 100, Strong$669.9M13.5%0.85%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs