Bank · FDIC insured
First National Bank of Grayson
A $371.9M bank headquartered in Grayson, KY, with 7 branches in Kentucky. Best rates: CDs 2.25% and savings 0.20% APY.
First National Bank of Grayson Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#22 of 25 in Huntington, WV-KY-OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank of Grayson
- Headquarters
- 200 S Carol Malone Blvd, Grayson, KY 41143
- FDIC certificate
- 2695 ↗
Branches
7 branches in Kentucky
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Kentucky
7 branches
Huntington area · 4
- The First National Bank of GraysonMain office200 S Carol Malone Blvd, Grayson, KY 41143Directions
- Cannonsburg Branch12496 Us Route 60, Ashland, KY 41102Directions
- Grayson Branch380 S Carol Malone Blvd, Grayson, KY 41143Directions
- Olive Hill Branch168 Railroad St, Olive Hill, KY 41164Directions
Morehead area · 1
- Morehead Branch200 Viking Dr, Morehead, KY 40351Directions
Sandy Hook area · 1
- Sandy Hook Branch337 Kentucky Highway 7 North, Sandy Hook, KY 41171Directions
West Liberty area · 1
- West Liberty Branch400 Prestonsburg St, West Liberty, KY 41472Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.98% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.96% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.84% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $74 | $81 | — |
- CapitalLeverage ratio12.98%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.96%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.84%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$74Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank of Grayson are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.