US Bank Directory
Banks in Grayson, KY
4 FDIC-insured banks operate 6 offices in Grayson, Kentucky, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Grayson
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 5 banks and credit unions operate 7 locations in Grayson, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Grayson
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The First National Bank of Grayson and The Commercial Bank of Grayson have the most locations in Grayson, with 2 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
The Commercial Bank of Grayson Bank · 2
The Commercial Bank of Grayson has 2 branches in Grayson, 3 across Kentucky and 3 nationwide. FDIC records list its main office in Grayson, KY and show it operating since 1891. With $242.0 million in total assets on June 30, 2026, it ranks No. 2,772 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Grayson location is its main office at 208 E Main St, dating to 1891; the newest, at 109 N Carol Malone Blvd, to 1976. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office208 E Main St, 41143
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Interchange Branch109 N Carol Malone Blvd, 41143
The First National Bank of Grayson Bank · 2
The First National Bank of Grayson has 2 branches in Grayson, 7 across Kentucky and 7 nationwide. FDIC records list its main office in Grayson, KY and show it operating since 1902. With $371.9 million in total assets on June 30, 2026, it ranks No. 2,180 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Grayson location is its main office at 200 S Carol Malone Blvd, dating to 1902; the newest, at 380 S Carol Malone Blvd, to 1935. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office200 S Carol Malone Blvd, 41143
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Grayson Branch380 S Carol Malone Blvd, 41143
Citizens Bank of Kentucky Bank · 1
Citizens Bank of Kentucky has 1 branch in Grayson, 12 across Kentucky and 12 nationwide. FDIC records list its main office in Paintsville, KY and show it operating since 1910. With $669.9 million in total assets on June 30, 2026, it ranks No. 1,421 of 4,232 U.S. banks by total assets. The Grayson Branch at 167 S Carol Malone Blvd dates to 2001 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Grayson Branch167 S Carol Malone Blvd, 41143
City National Bank of West Virginia Bank · 1
City National Bank of West Virginia has 1 branch in Grayson, 23 across Kentucky and 97 nationwide. FDIC records list its main office in Charleston, WV and show it operating since 1957. With $6.76 billion in total assets on June 30, 2026, it ranks No. 229 of 4,232 U.S. banks by total assets. The Grayson Branch at 575 N Carol Malone Blvd dates to 1990 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Grayson Branch575 N Carol Malone Blvd, 41143
Members Choice Credit Union Credit union · 1
Members Choice Credit Union has 1 office in Grayson, 7 across Kentucky. It is based in Ashland, KY and $425.8 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Grayson Temporary Office114 Interstate Dr, 41143
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Grayson
1 credit union has 1 office here: Members Choice Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Grayson page has every office in the state's directory.
Banking in Grayson: the local picture
Short answer: 4 banks run 6 branches in Grayson according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 4 banks, 2 have their main office in Grayson, 1 elsewhere in Kentucky and 1 out of state, according to the FDIC.
The bank with the longest record here is The Commercial Bank of Grayson, operating since 1891 according to the FDIC. In FDIC branch records, the longest-running branch is The Commercial Bank of Grayson's office at 208 E Main St, dating to 1891; the newest is Citizens Bank of Kentucky's at 167 S Carol Malone Blvd, from 2001.
The only credit union with an office here is Members Choice Credit Union.
Of the 1 location with published hours. None open on Saturday. 6 locations have no published hours in these sources.
Saturday hours in Grayson
Short answer: None of the 1 Grayson location with published hours lists Saturday hours. 6 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 6 of the 7 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Grayson, and where the nearest one is if they do not.
Short answer: No branches in Grayson: Chase (nearest in Lexington, 83 mi), Wells Fargo, Bank of America (nearest in Lexington, 83 mi), PNC Bank (nearest in Ashland, 19 mi), U.S. Bank (nearest in Morehead, 28 mi), Truist (nearest in Paintsville, 36 mi), Fifth Third Bank (nearest in Ashland, 19 mi), Huntington (nearest in Independence, 94 mi), Regions Bank (nearest in Franklin, 228 mi), TD Bank, BMO.
| Bank | In Grayson | Nearest branch if none here |
|---|---|---|
| Chase | None | Lexington, 83 miles away |
| Wells Fargo | None | none in Kentucky |
| Bank of America | None | Lexington, 83 miles away |
| PNC Bank | None | Ashland, 19 miles away |
| U.S. Bank | None | Morehead, 28 miles away |
| Truist | None | Paintsville, 36 miles away |
| Fifth Third Bank | None | Ashland, 19 miles away |
| Huntington | None | Independence, 94 miles away |
| Regions Bank | None | Franklin, 228 miles away |
| TD Bank | None | none in Kentucky |
| BMO | None | none in Kentucky |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Grayson to the nearest branch in Kentucky.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Grayson residents like anyone else.
Banks near Grayson
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Olive Hill (12 miles) and Ashland (17 miles). Ashland, 17 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Olive Hill, KY | 12 mi | 2 | 2 |
| Banks in Ashland, KY | 17 mi | 9 | 15 |
| Banks in Greenup, KY | 18 mi | 3 | 3 |
| Banks in Flatwoods, KY | 18 mi | 2 | 2 |
| Banks in Russell, KY | 18 mi | 4 | 4 |
| Banks in Sandy Hook, KY | 21 mi | 2 | 2 |
| Banks in Garrison, KY | 23 mi | 2 | 2 |
| Banks in Louisa, KY | 24 mi | 4 | 4 |
Bank branch openings and closings in Grayson
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Grayson between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Grayson
Short answer: 2 institutions have their main office in Grayson: The First National Bank of Grayson and The Commercial Bank of Grayson.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The First National Bank of Grayson | Bank | $371.9 million | 2 |
| The Commercial Bank of Grayson | Bank | $242.0 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Grayson by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Grayson offices.
Short answer: City National Bank of West Virginia is the largest bank with offices in Grayson, with $6.76 billion in total assets on June 30, 2026, No. 229 among U.S. banks by total assets. Citizens Bank of Kentucky is second with $669.9 million. 2 of the 4 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| City National Bank of West Virginia | $6.76 billion | No. 229 | 1 | Charleston, WV |
| Citizens Bank of Kentucky | $669.9 million | No. 1,421 | 1 | Paintsville, KY |
| The First National Bank of Grayson | $371.9 million | No. 2,180 | 2 | Grayson, KY |
| The Commercial Bank of Grayson | $242.0 million | No. 2,772 | 2 | Grayson, KY |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Grayson: FAQ
How many banks are in Grayson, KY?
Grayson has 4 banks with 6 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Grayson?
The First National Bank of Grayson, with 2. The Commercial Bank of Grayson has 2 and City National Bank of West Virginia has 1.
Is there a City National Bank of West Virginia in Grayson, KY?
Yes. FDIC data lists 1 City National Bank of West Virginia branch in Grayson as of September 5, 2026. The address and directions are under City National Bank of West Virginia above.
Is there a Chase in Grayson, KY?
No. FDIC data lists no Chase branch in Grayson as of September 5, 2026. The nearest is in Lexington, about 83 miles away in a straight line.
Which banks in Grayson are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 6 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Grayson?
The First National Bank of Grayson and The Commercial Bank of Grayson have their main office in Grayson, according to the FDIC.
What is the oldest bank in Grayson?
The Commercial Bank of Grayson has the longest record among banks with a branch here: the FDIC shows it operating since 1891.
Which credit unions can I join in Grayson?
Members Choice Credit Union has an office in Grayson. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Grayson in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Grayson?
Nearby cities with more banks include Olive Hill, Ashland, Greenup. Olive Hill is 12 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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