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Blue Grass Valley Bank, The

Blue Grass, VA · Cert 8672

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

21

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Blue Grass Valley Bank, The

Blue Grass, VA · Cert 8672

State charter, non-member · FDIC · 2 branches

Q2 2026

$59.9MAssets
$34.8MLoans
$53.6MDeposits
$6.1MEquity
Loan mix
87%RE $28.9M8%C&I $2.5M5%Consumer $1.8MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $42.5M21%Noninterest $11.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.54%, up 8 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 1.20% of loans (+64 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.97%, down 25 bps from a year ago.
  • Funding: loans stand at 64.90% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.54%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+8 bps YoY

Efficiency Ratio (YTD, annualized)

79.53%-235 bps YoY

Tier 1 Leverage Ratio

9.97%-25 bps YoY

NIM

4.35%Q2 ’244.62%Q2 ’254.87%Q2 ’26+15%+3%

Non-interest income vs. expense

2.68%Q2 ’242.66%Q2 ’252.64%Q2 ’26-3%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.24%0.33%0.46%0.52%0.45%0.43%0.54%+8 bps
Return on Equity1.84%2.37%3.31%4.59%5.15%4.50%4.49%5.49%+90 bps
Net Interest Margin2.66%2.66%2.90%3.01%3.01%2.91%2.99%3.08%+8 bps
Efficiency Ratio91.76%89.53%86.87%81.88%79.90%82.83%83.30%79.53%-235 bps
Non-Interest Burden2.43%2.36%2.48%2.42%2.36%2.38%2.45%2.40%-2 bps
Growth
Asset Growth (YoY)-4.45%-1.88%-0.54%4.33%4.38%8.44%7.14%1.67%-266 bps
Loan Growth (YoY)1.64%-2.45%0.75%2.90%2.83%0.62%-1.91%-5.38%-829 bps
Deposit Growth (YoY)-3.04%-2.07%-0.72%-0.47%4.43%9.13%7.53%6.47%+694 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.24%0.16%0.55%0.64%0.48%1.17%1.20%+64 bps
Net Charge-Offs / Loans-0.01%0.00%-0.01%-0.01%-0.01%0.00%0.00%-0.01%-1 bps
Allowance / Loans1.27%1.28%1.25%1.22%1.24%1.27%1.28%1.29%+7 bps
Allowance Coverage of NPLs6.8x5.4x7.6x2.2x1.9x2.7x1.1x1.1x-1.1x
Capital
Tier 1 Leverage Ratio10.23%10.02%10.07%10.22%10.22%9.56%9.68%9.97%-25 bps
Total Risk-Based Capital10.23%10.02%10.07%10.22%10.22%9.56%9.68%9.97%-25 bps
Equity / Assets10.12%9.96%10.07%10.03%10.08%9.43%9.68%10.17%+15 bps
Liquidity & Funding
Loans / Deposits69.18%67.42%69.14%73.03%68.11%62.16%63.07%64.90%-813 bps
Liquid Assets / Assets30.57%31.94%29.45%27.85%30.49%36.00%35.21%34.14%+629 bps
CRE / Total Capitaln/an/an/an/a84.71%83.01%78.93%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Blue Grass Valley Bank, The

Blue Grass, VA · Cert 8672 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 2 branches

Q2 2026

$59.9MAssets
$34.8MLoans
$53.6MDeposits
$6.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 62% of banks under $1B in assets (rank 222 of 581).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets (rank 566 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.55%

Rank 490 of 629

Net Interest Margin

3.08%

Rank 459 of 629

Efficiency Ratio

79.53%

Rank 478 of 629

Equity / Assets

10.17%

Rank 365 of 629

Non-interest income vs. expense

$0.1M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 24% of banks under $1B in assets
Bank 79.53%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.55%0.60%1.01%1.45%Beats 22%490 / 629
Return on Equity5.41%5.38%9.30%13.28%Beats 25%471 / 629
Net Interest Margin3.08%3.03%3.54%4.05%Beats 27%459 / 629
Efficiency Ratio79.53%58.35%67.79%79.08%Beats 24%478 / 629
Asset Quality
Nonperforming Loans / Loans1.20%0.09%0.46%1.20%Beats 25%435 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 62%222 / 581
Capital
Tier 1 Capital Ratio9.97%11.24%13.84%18.77%Beats 11%562 / 629
Total Risk-Based Capital Ratio9.97%11.58%14.43%19.66%Beats 10%566 / 629
Equity / Assets10.17%9.09%10.65%13.80%Beats 42%365 / 629
Liquidity & Funding
Loans / Deposits64.90%67.24%80.90%93.48%23rd pctl456 / 594
Loans / Assets58.00%53.31%67.71%78.15%32nd pctl430 / 629
Brokered Deposits / Depositsn/aNot reported for this institution