What is The First National Bank of Grayson's financial health grade?

The First National Bank of Grayson has a TFS Financial Health Grade of D+ (score: 68.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

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

The First National Bank of Grayson has 7 branch locations across the United States.

Is The First National Bank of Grayson FDIC insured?

Yes, The First National Bank of Grayson is FDIC insured (Certificate #2695).

What are the total assets of The First National Bank of Grayson?

The First National Bank of Grayson has total assets of $362.6M as reported in its most recent FDIC filing.

The First National Bank of Grayson

BankGrayson, Kentucky

WWW.FNBGRAYSON.COM

Total Assets

$362.6M

Total Deposits

$316.0M

Branches

Established

1902

TFS Health Grade

D+

68.7 / 100

Below average financial health

How we grade

The First National Bank of Grayson is a bank headquartered in Grayson, Kentucky, established in 1902. With $362.6M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D+ (68.7/100).

Capital & Safety

Tier 1 Capital Ratio

12.19%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

1.49%

Profitability

Return on Assets (ROA)

1.79%(1%)

Return on Equity (ROE)

16.25%(10%)

Net Interest Margin

4.51%

Efficiency Ratio

52.44%(60%)

Lending & Liquidity

Total Loans

$226.8M

Loan-to-Deposit Ratio

70.94%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+0.18%

Deposit Growth (YoY)

-1.54%

Net Income

$6.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The First National Bank of GraysonHQ	200 S Carol Malone Blvd	Grayson	KY	11
The First National Bank of Grayson	12496 Us Route 60	Ashland	KY	11
The First National Bank of Grayson	380 S Carol Malone Blvd	Grayson	KY	11
The First National Bank of Grayson	200 Viking Dr	Morehead	KY	11
The First National Bank of Grayson	168 Railroad St	Olive Hill	KY	11
The First National Bank of Grayson	337 Kentucky Highway 7 North	Sandy Hook	KY	11
The First National Bank of Grayson	400 Prestonsburg St	West Liberty	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.