BlastPoint's Banking Scorecard

The First National Bank of Grayson

$100M-$1B Specialty: Commercial KY FDIC cert 2695

Grayson, KY

7 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

The First National Bank of Grayson has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 37.5% in tier
+ Revenue Diversifier: Top 38.4% in tier
+ Profitability Leader: Top 47.5% in tier
+ Efficiency Ratio 14.37% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 27.0% in tier
- Credit Quality Pressure: Bottom 49.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$364.3M -1.3% YoY +0.5% QoQ	-$21.8M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$227.2M +6.5% YoY +1.4% QoQ	-$28.5M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$319.0M -2.8% YoY +1.0% QoQ	-$9.0M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	1.91% +20.6% YoY +7.0% QoQ	+0.64%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 14.9% in tier
Net Interest Margin ?	4.65% +10.2% YoY +3.1% QoQ	+0.72%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Top 14.1% in tier
Efficiency Ratio ?	50.92% -5.8% YoY -2.9% QoQ	-14.37%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	1.31% +11.2% YoY -13.5% QoQ	+0.42%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	71.21% +9.6% YoY +0.4% QoQ	-5.42%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	38.93% +3.4% YoY +2.1% QoQ	+16.91%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Top 5.7% in tier
Nonperforming Asset Ratio ?	0.88% +26.2% YoY -6.7% QoQ	+0.24%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	23%
Tier 1 Capital Ratio ?	12.79% +10.1% YoY +4.9% QoQ	-3.04%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.21% +1.4% YoY -75.9% QoQ	-0.07%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Top 12.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Deposit Franchise

growth

#103 of 272 • Top 37.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 38.93%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.65%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#257 of 666 • Top 38.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.21%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.91%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#317 of 666 • Top 47.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.91%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk

#264 of 973 • Bottom 27.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#645 of 1308 • Bottom 49.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 1.31%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

153

Non-Interest-Bearing Deposit Share

funding

Value: 38.93%

Peer Median: 22.02%

#153 of 2664 Top 5.7% in $100M-$1B

326

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.28%

#326 of 2664 Top 12.2% in $100M-$1B

377

Net Interest Margin

profitability

Value: 4.65%

Peer Median: 3.93%

#377 of 2664 Top 14.1% in $100M-$1B

397

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.27%

#397 of 2664 Top 14.9% in $100M-$1B

465

Efficiency Ratio

profitability

Value: 50.92%

Peer Median: 65.29%

#465 of 2664 Top 17.4% in $100M-$1B

Top Weaknesses (2 metrics)

2071

Delinquency Rate

credit_quality

Value: 1.31%

Peer Median: 0.89%

#2071 of 2654 Bottom 22.0% in $100M-$1B

2047

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.64%

#2047 of 2664 Bottom 23.2% in $100M-$1B