First Nb Of Grayson (FDIC #2695): Bank Stress & Real-Estate Credit Exposure
First Nb Of Grayson (FDIC Cert #2695): bank stress 47/100, moderate, STABLE over 7 days; parent FIRST GRAYSON BCORP INC.
First Nb Of Grayson (#2695) lends in 5 counties across 1 state; First Nb Of Grayson (#2695) reaches 25 ZIP codes: Kentucky 5 counties, 25 ZIPs.
First Nb Of Grayson (#2695) largest markets: Carter County, KY (33 branches, 11 ZIPs) (#2695), Morgan County, KY (8 branches, 8 ZIPs) (#2695), Elliott County, KY (6 branches, 6 ZIPs) (#2695), Boyd County, KY (4 branches, 4 ZIPs) (#2695), Rowan County, KY (4 branches, 4 ZIPs) (#2695).
First Nb Of Grayson (#2695) reports $371.9 million in total assets; First Nb Of Grayson (#2695) equity $44.8 million (12.0% of First Nb Of Grayson (#2695) assets); First Nb Of Grayson (#2695) domestic deposits $325.5 million; First Nb Of Grayson (#2695) net income $3.4 million; First Nb Of Grayson (#2695) return on assets 1.84%; First Nb Of Grayson (#2695) return on equity 15.56%; First Nb Of Grayson (#2695) net interest income $8.3 million; First Nb Of Grayson (#2695) call report June 30, 2026.
First Nb Of Grayson (#2695) noncurrent real-estate loans: none reported; First Nb Of Grayson (#2695) net charge-offs on real estate 0.74%; First Nb Of Grayson (#2695) residential charge-offs 0.40%.
First Nb Of Grayson (#2695) net interest margin 4.76% against an eight-quarter First Nb Of Grayson (#2695) average of 4.39% (First Nb Of Grayson (#2695) compression -0.37 points); First Nb Of Grayson (#2695) non-residential real estate 40.4% of equity; First Nb Of Grayson (#2695) rate-exposure score 40/100, First Nb Of Grayson (#2695) fixed-rate trap 40/100; First Nb Of Grayson (#2695) risk type credit driven; First Nb Of Grayson (#2695) rate regime rates elevated, First Nb Of Grayson (#2695) snapshot October 19, 2026.
First Nb Of Grayson (#2695) stress score moved from 44.5 on June 22, 2026 to 46.7 on October 19, 2026; First Nb Of Grayson (#2695) ranged 44.5 to 46.7 over 116 snapshots.
First Nb Of Grayson (#2695) alerts: 5 counties; top First Nb Of Grayson (#2695) alert scores: Ashland County, KY 18 (low); Morehead County, KY 18 (low); Olive Hill County, KY 18 (low); Sandy Hook County, KY 18 (low); West Liberty County, KY 18 (low).