Side-by-side · Q2 2026 data
The First National Bank of Grayson vs Citizens Bank of Kentucky, Inc.
Metric by metric
| Measure | The First National Bank of Grayson | Citizens Bank of Kentucky, Inc. |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 80 | 85 (stronger) |
| Loan quality | 68 | 72 (stronger) |
| Earnings | 93 (stronger) | 61 |
| Funding & liquidity | 73 | 95 (stronger) |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 75th | 75th |
| Total assets | $371.9M | $669.9M |
| Deposits / shares | $325.5M | $571.0M |
| Capital ratio | 12.98% | 13.51% (stronger) |
| Problem loans | 0.96% | 0.85% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.03% |
| Return on assets | 1.84% (stronger) | 1.04% |
| Loans ÷ deposits | 72.9% | 59.8% (stronger) |
| Uninsured deposits | 27.4% | 20.0% (stronger) |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | 18.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The First National Bank of Grayson leads on 2 and Citizens Bank of Kentucky, Inc. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Grayson, KY
- Ashland, KY