Blue Grass Federal Savings and Loan Association
Paris, KY · Cert 31090 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Mutual Holding Co.
State savings bank · OCC · 4 affiliate banks · 1 branch (26 in holding)
Q2 2026
$58.5MAssets
$45.0MLoans
$40.6MDeposits
$9.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 92% of banks under $1B in assets operating in a single state (rank 687 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.29%
Rank 676 of 746
Net Interest Margin
2.64%
Rank 687 of 746
Efficiency Ratio
83.49%
Rank 651 of 746
Equity / Assets
16.01%
Rank 78 of 746
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 13% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.72% | 1.06% | 1.45% | Beats 9% | 676 / 746 | | |
| Return on Equity | 1.79% | 6.74% | 10.51% | 13.63% | Beats 8% | 689 / 746 | | |
| Net Interest Margin | 2.64% | 3.17% | 3.68% | 4.16% | Beats 8% | 687 / 746 | | |
| Efficiency Ratio | 83.49% | 55.74% | 64.58% | 75.47% | Beats 13% | 651 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 25.63% | 11.55% | 13.75% | 17.60% | Beats 92% | 60 / 746 | | |
| Total Risk-Based Capital Ratio | 26.87% | 11.71% | 14.33% | 18.43% | Beats 92% | 57 / 746 | | |
| Equity / Assets | 16.01% | 8.90% | 10.51% | 13.06% | Beats 90% | 78 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 111.03% | 61.31% | 78.27% | 90.78% | 97th pctl | 22 / 746 | | |
| Loans / Assets | 76.96% | 53.60% | 66.97% | 76.08% | 78th pctl | 163 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |