The First National Bank of Grayson
Grayson, KY
IDRSSD: 610913
Total Assets
$362.60M
Latest filing
Total Deposits
$315.96M
Latest filing
Net Interest Margin
4.74%
Profitability
Key People
Loading leadership data...
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 01/30/2026Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
The Commercial Bank of Grayson
Grayson, Kentucky
→
Assets: $240.83MΔ -33.3%
Citizens Bank & Trust Company
Campbellsville, Kentucky
→
Assets: $364.84MΔ +1.0%
Pbt Bancorp
Hazard, Kentucky
→
Assets: $353.96MΔ -2.0%
United Southern Bank
Hopkinsville, Kentucky
→
Assets: $353.59MΔ -2.1%
First State Bank
Irvington, Kentucky
→
Assets: $352.16MΔ -2.5%
Citizens Deposit Bank of Arlington, Inc.
Arlington, Kentucky
→
Assets: $332.56MΔ -7.9%
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 | 83 |
| 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 | 01/30/2026 |
| CERT | 2695 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $362.60M |
| Total Deposits | $315.96M |
| Total Liabilities | $320.86M |
| Total Equity Capital | $41.74M |
| Net Income | $1.76M |
| Net Loans and Leases | $224.14M |
| Assets Per Employee ($Millions) | $4.37M |
| Bank Premises and Fixed Assets | $6.80M |
| Cash and Balances due from Depository Institutions | $43.22M |
| Deposits Held in Domestic Offices | $315.96M |
Key Performance Ratios
| Return on Assets (ROA) | 1.95% |
| Return on Equity (ROE) | 16.71% |
| Net Interest Margin | 4.74% |
| Efficiency Ratio | 50.32% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.511% |
| Earning Assets to total Assets | 95.37% |
Income and Expense
| Total Interest Income | $4.86M |
| Total Noninterest Income | $793.00k |
| Total Interest Expense | $772.00k |
| Total Noninterest Expense | $2.46M |
| Net Interest Income | $4.09M |
| Pre-tax Net Operating Income | $2.33M |
| Provision for Credit Losses | $97.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $28.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $45.00k |
| Federal Funds Purchased and Repurchased Agreement | $615.00k |
| All Other Liabilities | $4.28M |
| Total Liabilities and Capital | $362.60M |
Securities
| Securities | $84.29M |
| Available-for-sale debt securities | $84.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$362.60M as of the latest filing.
How much are The First National Bank of Grayson's total deposits?
$315.96M in total deposits.
Where is The First National Bank of Grayson located?
Grayson, KY.
What is the Net Interest Margin?
4.74%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$224.14M (latest filing).
What is the total interest income (latest filing)?
$4.86M.