Total Assets
$363M
Total balance-sheet footings
FDIC Cert #2695 · Grayson, Kentucky · Est. 1902
The First National Bank of Grayson - FDIC Bank Health Profile
A community-scale look at The First National Bank of Grayson's own numbers, pulled straight from its quarterly FDIC Call Report.
- $363M
- Total assets
- A
- Health grade · Excellent
- 1.79%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank of Grayson earns a PlainBankData health grade of A (88/100), with well-capitalized at 12.19% Tier 1, profitable at 1.79% ROA, efficient (52% cost ratio).
- #2,231
- largest of 4,313 FDIC banks by assets
- 48th
- percentile by asset size, nationally
- 12.19%
- Tier 1 ratio - above the 10% well-capitalized line
- 85th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The First National Bank of Grayson's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank of Grayson's composite health score
Tier 1 Capital Ratio (12.19%) 35/40
Return on Assets (ROA) (1.79%) 25/25
Texas Ratio (7.63%) 16/20
Efficiency Ratio (52.44%) 12/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$316M
Customer-funded liabilities
Net Loans
$224M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank of Grayson ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Grayson's score of 88/100 falls in the highlighted band.
The First National Bank of Grayson's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First National Bank of Grayson's $363M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.19%
Texas Ratio
7.63%
Equity Capital
$42M
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.79%
Return on Equity (ROE)
16.25%
Efficiency Ratio
52.44%
What the numbers say about The First National Bank of Grayson
The First National Bank of Grayson is an FDIC-insured institution (Certificate #2695) headquartered in Grayson, Kentucky, established in 1902. It holds $363M in total assets - 2,231st of 4,313 FDIC-insured banks, $316M in customer deposits, and $224M in net loans. Its capital position: a Tier 1 ratio of 12.19%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.63% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The First National Bank of Grayson sits 55th of 120 banks headquartered in Kentucky by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$19M
Interest Income
$3M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Grayson reports a Texas Ratio of 7.63% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Grayson (FDIC Cert #2695) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is The First National Bank of Grayson's health grade?▼
The First National Bank of Grayson receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The First National Bank of Grayson?▼
The First National Bank of Grayson holds $363M in total assets and $316M in deposits, ranking 2,231st of 4,313 FDIC-insured banks by asset size. It is headquartered in Grayson, Kentucky.
Is my money safe at The First National Bank of Grayson?▼
Yes, deposits at The First National Bank of Grayson (Certificate #2695) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank of Grayson's Tier 1 Capital Ratio?▼
The First National Bank of Grayson has a Tier 1 Capital Ratio of 12.19%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The First National Bank of Grayson?▼
The First National Bank of Grayson has a Texas Ratio of 7.63%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The First National Bank of Grayson?▼
The First National Bank of Grayson has an Efficiency Ratio of 52.44%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank of Grayson's profile as a depositor or analyst.
- The First National Bank of Grayson's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank of Grayson against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.