The First National Bank of Grayson
Grayson, KY
IDRSSD: 610913
Total Assets
$361.14M
Latest filing
Total Deposits
$316.53M
Latest filing
Net Interest Margin
4.66%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Grayson
200 S Carol Malone Blvd
Grayson, KY 41143
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1902FDIC Certificate 1740
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Grayson (Main) | 200 S Carol Malone Blvd | Grayson, KY |
| CANNONSBURG BRANCH | 12496 Us Route 60 | Ashland, KY |
| OLIVE HILL BRANCH | 168 Railroad St | Olive Hill, KY |
| GRAYSON BRANCH | 380 S Carol Malone Blvd | Grayson, KY |
| SANDY HOOK BRANCH | 337 Kentucky Highway 7 North | Sandy Hook, KY |
| WEST LIBERTY BRANCH | 400 Prestonsburg St | West Liberty, KY |
| MOREHEAD BRANCH | 200 Viking Dr | Morehead, KY |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41143 |
| State and County Number | 21043 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Huntington-Ashland, WV-KY-OH |
Operational Info
| Number of Employees | 82 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.FNBGRAYSON.COM |
| Data Updated | 11/14/2025 |
| CERT | 2695 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $361.14M |
| Total Deposits | $316.53M |
| Total Liabilities | $318.40M |
| Total Equity Capital | $42.74M |
| Net Income | $1.79M |
| Net Loans and Leases | $218.99M |
| Assets Per Employee ($Millions) | $4.35M |
| Bank Premises and Fixed Assets | $6.86M |
| Cash and Balances due from Depository Institutions | $43.43M |
| Deposits Held in Domestic Offices | $316.53M |
Key Performance Ratios
| Return on Assets (ROA) | 1.99% |
| Return on Equity (ROE) | 17.24% |
| Net Interest Margin | 4.66% |
| Efficiency Ratio | 49.48% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.836% |
| Earning Assets to total Assets | 95.39% |
Income and Expense
| Total Interest Income | $4.88M |
| Total Noninterest Income | $828.00k |
| Total Interest Expense | $877.00k |
| Total Noninterest Expense | $2.39M |
| Net Interest Income | $4.00M |
| Pre-tax Net Operating Income | $2.37M |
| Provision for Credit Losses | $73.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $28.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.96M |
| Federal Funds Purchased and Repurchased Agreement | $615.00k |
| All Other Liabilities | $1.25M |
| Total Liabilities and Capital | $361.14M |
Securities
| Securities | $85.74M |
| Available-for-sale debt securities | $85.74M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Grayson?
$361.14M as of the latest filing.
How much are The First National Bank of Grayson's total deposits?
$316.53M in total deposits.
Where is The First National Bank of Grayson located?
Grayson, KY.
What is the Net Interest Margin?
4.66%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
1.99%.
How much are total loans and leases?
$218.99M (latest filing).
What is the total interest income (latest filing)?
$4.88M.