The First National Bank of Grayson

Overview / Commentary

606-474-2000

200 South Carol Malone Boulevard
Grayson, KY 41143

The First National Bank of Grayson is headquartered in Grayson and is the 57^th largest bank in the state of Kentucky. It is also the 2,494^th largest bank in the nation. It was established in 1902 and as of December of 2019, it had grown to 97 employees at 8 locations. The First National Bank of Grayson has an A health rating.

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	2695
Year Established	1902
Employees	97
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.64%
Return on Equity - YTD	13.99%
Annual Interest Income	$11.4MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$250.6MM$251.8MM
Loans	Q4 2019vs Q4 2018	$160.3MM$163.8MM
Deposits	Q4 2019vs Q4 2018	$217.0MM$220.3MM
Equity Capital	Q4 2019vs Q4 2018	$30.1MM$27.6MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$1.9MM$2.0MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$1.5MM$2.1MM
Real Estate Owned	Q4 2019vs Q4 2018	$389.00K$316.00K

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
0.10%	$50	-	Savings Account

The First National Bank of Grayson Money Market Rates

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

The First National Bank of Grayson CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$100k	-	5 Year Jumbo CD
0.85%	$500	-	5 Year CD
0.75%	$100k	-	4 Year Jumbo CD
0.70%	$500	-	4 Year CD
0.65%	$100k	-	3 Year Jumbo CD
0.60%	$100k	-	3 Year Bump Jumbo CD
0.60%	$500	-	3 Year CD
0.55%	$500	-	3 Year Bump CD
0.55%	$100k	-	2 Year Jumbo CD
0.50%	$100k	-	2 Year Bump Jumbo CD
0.50%	$500	-	2 Year CD
0.45%	$500	-	2 Year Bump CD
0.40%	$100k	-	1 Year Jumbo CD
0.35%	$500	-	1 Year CD
0.30%	$100k	-	6 Month Jumbo CD
0.25%	$500	-	6 Month CD
0.25%	$100k	-	3 Month Jumbo CD
0.15%	$500	-	3 Month CD

The First National Bank of Grayson IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$100k	-	4 Year Jumbo IRA
0.70%	$500	-	4 Year IRA
0.65%	$100k	-	3 Year Jumbo IRA
0.60%	$100k	-	3 Year Bump Jumbo IRA
0.60%	$500	-	3 Year IRA
0.55%	$500	-	3 Year Bump IRA
0.55%	$100k	-	2 Year Jumbo IRA
0.50%	$100k	-	2 Year Bump Jumbo IRA
0.50%	$500	-	2 Year IRA
0.45%	$500	-	2 Year Bump IRA
0.40%	$100k	-	1 Year Jumbo IRA
0.35%	$500	-	1 Year IRA
0.30%	$100k	-	6 Month Jumbo IRA
0.25%	$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 South Carol Malone Boulevard	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	8752 Kentucky 1	Grayson, KY 41143
Rush Branch	9844 East US Hwy 60	Rush, KY 41168
Sandy Hook Branch	337 Kentucky Highway 7 North	Sandy Hook, KY 41171
Morehead Branch	200 Viking Drive	Morehead, KY 40351

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