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The First National Bank Of Grayson
Grayson, KY · FDIC Certificate #2695 · Chartered 01/0
Total assets
$371.87M
Total deposits
$325.54M
Total equity
$44.76M
Net loans
$237.17M
Branches (offices)
7
Net income (YTD)
$3.37M
Rank: #2,168 of 4,213 U.S. banks by assets · #54 of 120 in Kentucky. Assets changed 3.1% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.84% |
| Return on equity | 15.56% |
| Net interest margin (YTD) | 4.76% |
| Equity to assets | 12.04% |
| Tier 1 leverage ratio | 12.98% |
| Uninsured deposits (share of deposits) | 27.4% |
| Noncurrent loans (share of loans) | 0.96% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 72.9% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $183.04M | 77.2% | |
| Commercial & industrial | $20.00M | 8.4% | |
| Consumer / individual | $32.03M | 13.5% | |
| Construction & development | $23.89M | 10.1% | |
| Agricultural | $4.19M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $339.25M | $305.61M | $1.79M | $32.42M |
| Jun 2023 | $336.83M | $304.67M | $2.55M | $30.77M |
| Jun 2024 | $326.77M | $290.26M | $2.32M | $34.59M |
| Jun 2025 | $360.78M | $318.17M | $2.93M | $40.42M |
| Jun 2026 | $371.87M | $325.54M | $3.37M | $44.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $325.54M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $325.54M.
Similar-sized banks
First State Bank ($371.88M) · Pioneer Bank ($371.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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