The First National Bank of Grayson

Overview / Commentary

606-474-5139

200 South Carol Malone Boulevard
Grayson, KY 41143

The First National Bank of Grayson is headquartered in GRAYSON and is the 50^th largest bank in the state of Kentucky. It is also the 2,273^rd largest bank in the nation. It was established in 1902 and as of June of 2023, it had grown to 85 employees at 7 locations. The First National Bank of Grayson's CD rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2023

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Health Grade Components

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

Profit Margin
Return on Assets - YTD	1.54%
Return on Equity - YTD	17.15%
Annual Interest Income	$7.2MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$336.8MM$339.3MM
Loans	Q2 2023vs Q2 2022	$193.7MM$178.1MM
Deposits	Q2 2023vs Q2 2022	$304.7MM$305.6MM
Equity Capital	Q2 2023vs Q2 2022	$30.8MM$32.4MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$2.3MM$2.1MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$1.3MM$1.5MM
Real Estate Owned	Q2 2023vs Q2 2022	$91.00K$91.00K

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
0.20%	$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
2.75%	$100k	-	2 Year Jumbo CD
2.75%	$100k	-	3 Year Jumbo CD
2.50%	$100k	-	1 Year Jumbo CD
2.50%	$100k	-	4 Year Jumbo CD
2.50%	$100k	-	5 Year Jumbo CD
2.00%	$100k	-	2 Year Bump Jumbo CD
2.00%	$100k	-	3 Year Bump Jumbo CD
2.00%	$500	-	2 Year CD
2.00%	$100k	-	6 Month Jumbo CD
1.25%	$500	-	1 Year CD
1.25%	$500	-	3 Year CD
1.25%	$500	-	4 Year CD
1.25%	$500	-	5 Year CD
1.00%	$500	-	2 Year Bump CD
1.00%	$500	-	3 Year Bump CD
1.00%	$500	-	6 Month CD
1.00%	$100k	-	3 Month Jumbo CD
0.35%	$500	-	3 Month CD

The First National Bank of Grayson IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$100k	-	2 Year Jumbo IRA
2.75%	$100k	-	3 Year Jumbo IRA
2.50%	$100k	-	1 Year Jumbo IRA
2.50%	$100k	-	4 Year Jumbo IRA
2.00%	$100k	-	2 Year Bump Jumbo IRA
2.00%	$100k	-	3 Year Bump Jumbo IRA
2.00%	$500	-	2 Year IRA
2.00%	$100k	-	6 Month Jumbo IRA
1.25%	$500	-	1 Year IRA
1.25%	$500	-	3 Year IRA
1.25%	$500	-	4 Year IRA
1.00%	$500	-	2 Year Bump IRA
1.00%	$500	-	3 Year Bump IRA
1.00%	$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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