The First National Bank of Grayson

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

fnbgrayson.com

606-474-2000

200 South Carol Malone Boulevard
Grayson, KY 41143

The First National Bank of Grayson is headquartered in GRAYSON and is the 52^nd largest bank in the state of Kentucky. It is also the 2,219^th largest bank in the nation. It was established in 1902 and as of December of 2024, it had grown to 85 employees at 7 locations. The First National Bank of Grayson's CD rates are 94% higher than the national average, and it has an A health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	2695
Year Established	1902
Employees	85
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.53%
Return on Equity - YTD	14.89%
Annual Interest Income	$17.1MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$361.9MM$322.2MM
Loans	Q4 2024vs Q4 2023	$208.1MM$194.4MM
Deposits	Q4 2024vs Q4 2023	$320.9MM$285.8MM
Equity Capital	Q4 2024vs Q4 2023	$36.2MM$32.5MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$2.4MM$2.3MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$2.8MM$1.3MM
Real Estate Owned	Q4 2024vs Q4 2023	$28K$28K

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank of Grayson Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$50	-	Savings Account

The First National Bank of Grayson Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$25k	-	Super Money Market Savings
0.10%	$2.5k	-	Money Market Savings

The First National Bank of Grayson Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$100k^*	-	NOW Account
OTHER TIERS: 0.10% → $500 - $50k \| 0.15% → $50k - $100k

The First National Bank of Grayson CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$100k	-	3 Year Jumbo CD
2.00%	$100k	-	2 Year Bump Jumbo CD
2.00%	$100k	-	3 Year Bump Jumbo CD
2.00%	$100k	-	2 Year Jumbo CD
2.00%	$100k	-	4 Year Jumbo CD
2.00%	$100k	-	5 Year Jumbo CD
1.75%	$100k	-	1 Year Jumbo CD
1.50%	$500	-	2 Year CD
1.50%	$100k	-	6 Month Jumbo CD
1.00%	$500	-	2 Year Bump CD
1.00%	$500	-	3 Year Bump CD
1.00%	$500	-	1 Year CD
1.00%	$500	-	3 Year CD
1.00%	$500	-	4 Year CD
1.00%	$500	-	5 Year CD
1.00%	$100k	-	3 Month Jumbo CD
0.75%	$500	-	6 Month CD
0.35%	$500	-	3 Month CD

The First National Bank of Grayson IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$100k	-	3 Year Jumbo IRA
2.00%	$100k	-	2 Year Bump Jumbo IRA
2.00%	$100k	-	3 Year Bump Jumbo IRA
2.00%	$100k	-	2 Year Jumbo IRA
2.00%	$100k	-	4 Year Jumbo IRA
1.75%	$100k	-	1 Year Jumbo IRA
1.50%	$500	-	2 Year IRA
1.50%	$100k	-	6 Month Jumbo IRA
1.00%	$500	-	2 Year Bump IRA
1.00%	$500	-	3 Year Bump IRA
1.00%	$500	-	1 Year IRA
1.00%	$500	-	3 Year IRA
1.00%	$500	-	4 Year IRA
0.75%	$500	-	6 Month IRA

Locations

The First National Bank of Grayson Locations
Olive Hill Branch	168 Railroad Street	Olive Hill, KY 41164
The First National Bank Of Grayson	200 S Carol Malone Blvd	Grayson, KY 41143
Grayson Branch	380 S. Carol Malone Boulevard	Grayson, KY 41143
West Liberty Branch	400 Prestonsburg Street	West Liberty, KY 41472
Willard Branch	Route 1 And Falls Branch Road	Willard, KY 41181
Rush Branch	12496 Us Route 60	Ashland, KY 41102
Sandy Hook Branch	337 Kentucky Highway 7 North	Sandy Hook, KY 41171
Morehead Branch	200 Viking Drive	Morehead, KY 40351

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