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The First National Bank of Grayson

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

Grayson, KY

7 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +2.3% year over year ($325.5M on the books).
  • Delinquency rate 0.97%.
  • Return on assets 1.84%.
  • Efficiency ratio 52.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.85% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

The First National Bank of Grayson has 4 strengths but faces 1 concern

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 39.2% in tier
  • + Revenue Diversifier: Top 43.1% in tier
  • + ROA 0.51% above tier average
  • + Efficiency Ratio 11.85% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.05% above tier average
Get updates when The First National Bank of Grayson releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $371.9M
+3.1% YoY +2.1% QoQ
-$14.7M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $237.2M
+9.7% YoY +4.4% QoQ
-$21.2M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $325.5M
+2.3% YoY +2.0% QoQ
-$1.2M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 1.84%
+14.1% YoY -3.8% QoQ
+0.51% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 4.76%
+9.8% YoY +2.4% QoQ
+0.78% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Top 12.6% in tier
Efficiency Ratio ? 52.63%
-4.6% YoY +3.4% QoQ
-11.85% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.97%
-36.9% YoY -25.5% QoQ
+0.05% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 72.85%
+7.3% YoY +2.3% QoQ
-5.10% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 37.90%
-0.3% YoY -2.6% QoQ
+15.87% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 6.4% in tier
Nonperforming Asset Ratio ? 0.68%
-26.6% YoY -22.2% QoQ
+0.01% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 12.98%
+8.4% YoY +1.5% QoQ
-2.93% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.42%
-2.2% YoY +99.6% QoQ
-0.14% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Top 13.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 37.9%
-0.1pp YoY
-1.0pp QoQ
 +15.8pp 22.1% 23.5% 22.2% 94%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 8.4%
+0.5pp YoY
+0.5pp QoQ
 -3.1pp 11.6% 8.6% 12.5% 43%
CRE 36.3%
-0.1pp YoY
-1.4pp QoQ
 -3.2pp 39.5% 37.1% 41.4% 46%
1-4 Family 38.2%
+1.1pp YoY
+1.2pp QoQ
 +5.6pp 32.6% 41.6% 31.3% 67%
Consumer 13.5%
-2.4pp YoY
-0.7pp QoQ
 +9.4pp 4.1% 4.8% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 13.0%
+1.0pp YoY
+0.2pp QoQ
 +0.8pp 12.2% 14.0% 12.6% 75%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 85
+3 (+3.7%) YoY
+1 (+1.2%) QoQ
 +26 58 105 482 80%
Assets per Employee ($) $4.4M
-0.6% YoY
+0.9% QoQ
 -$3.1M $7.5M $6.3M $8.8M 7%
Branch Count 7
0 YoY
0 QoQ
 +2 4 8 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.0%
-0.6pp YoY
-0.3pp QoQ
 0.0pp 0.9% 0.8% 1.0% 71%
Allowance Coverage 1.19x
+58.4% YoY
+33.5% QoQ
 -22.96x 24.15x 7.45x 20.23x 32%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 59%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 15.6%
+0.3pp YoY
-0.8pp QoQ
 +3.4pp 12.2% 13.3% 11.6% 70%
Cost of Funds (YTD) 0.8%
-0.3pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.7% 1.7% 6%
Net Income ($, YTD) $3.4M
+14.9% YoY
— QoQ
 +$810K $2.6M $5.1M $40.4M 74%

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 (2)

Deposit Franchise

growth
#110 of 278 • Top 39.2% 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: 37.90%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.76%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Revenue Diversifier

growth
#286 of 661 • Top 43.1% 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: 0.42%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.84%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

170
Non-Interest-Bearing Deposit Share
funding
Value: 37.90%
Peer Median: 22.03%
#170 of 2643 Top 6.4% in $100M-$1B
333
Net Interest Margin
profitability
Value: 4.76%
Peer Median: 3.99%
#333 of 2643 Top 12.6% in $100M-$1B
344
Non-Interest Income / Assets
revenue_mix
Value: 0.42%
Peer Median: 0.57%
#344 of 2643 Top 13.0% in $100M-$1B
491
Return on Assets
profitability
Value: 1.84%
Peer Median: 1.32%
#491 of 2643 Top 18.5% in $100M-$1B
588
Efficiency Ratio
profitability
Value: 52.63%
Peer Median: 64.48%
#588 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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