BlastPoint's Banking Scorecard
The First National Bank of Grayson
Micro
Specialty: Commercial
KY
FDIC cert 2695
Designations: ✓ Community bank
Grayson, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
The First National Bank of Grayson demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.74% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$362.6M
+0.2% YoY
+0.4% QoQ
|
+$145.1M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$224.1M
+7.7% YoY
+2.4% QoQ
|
+$85.0M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$316.0M
-1.5% YoY
-0.2% QoQ
|
+$132.3M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.79%
+16.8% YoY
+3.1% QoQ
|
+0.70% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
4.51%
+9.3% YoY
+1.7% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
52.44%
-7.3% YoY
-1.4% QoQ
|
-15.29% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
1.51%
+13.7% YoY
-1.6% QoQ
|
+0.87% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
70.94%
+9.4% YoY
+2.5% QoQ
|
-3.59% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
38.13%
+7.4% YoY
-0.6% QoQ
|
+15.74% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.94%
+22.0% YoY
+0.3% QoQ
|
+0.49% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.88%
+0.6% YoY
+32.7% QoQ
|
+0.31% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
38.13%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 38.13% · Tier avg: 22.39%
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
86
86th pctile
Efficiency Ratio
Current: 52.44% · Tier avg: 67.73%
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
84
84th pctile
Total Deposits
Current: $316.0M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $362.6M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $224.1M · Tier avg: $139.2M
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.94% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.45%
19
19th pctile
Delinquency Rate
Current: 1.51% · Tier avg: 0.64%
Top Weaknesses
19
19th pctile
Delinquency Rate
Current: 1.51% · Tier avg: 0.64%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.94% · Tier avg: 74.53%
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
80
80th pctile
Total Loans
Current: $224.1M · Tier avg: $139.2M
82
82th pctile
Total Assets
Current: $362.6M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $316.0M · Tier avg: $183.7M
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
86
86th pctile
Efficiency Ratio
Current: 52.44% · Tier avg: 67.73%
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 38.13% · Tier avg: 22.39%