Side-by-side · Q2 2026 data
The First National Bank of Grayson vs The Citizens Bank
Metric by metric
| Measure | The First National Bank of Grayson | The Citizens Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 80 (stronger) | 37 |
| Loan quality | 68 | 98 (stronger) |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 73 (stronger) | 70 |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 75th | 64th |
| Total assets | $371.9M | $228.6M |
| Deposits / shares | $325.5M | $181.9M |
| Capital ratio | 12.98% (stronger) | 8.72% |
| Problem loans | 0.96% | 0.06% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.06% |
| Return on assets | 1.84% | 2.15% (stronger) |
| Loans ÷ deposits | 72.9% (stronger) | 82.8% |
| Uninsured deposits | 27.4% | 21.9% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | — |
The First National Bank of Grayson has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Grayson leads on 4 and The Citizens Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Morehead, KY
- West Liberty, KY