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
Unfavorable gap of $1.5M · efficiency ratio beats 24% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.60% | 1.01% | 1.45% | Beats 22% | 490 / 629 | | |
| Return on Equity | 5.41% | 5.38% | 9.30% | 13.28% | Beats 25% | 471 / 629 | | |
| Net Interest Margin | 3.08% | 3.03% | 3.54% | 4.05% | Beats 27% | 459 / 629 | | |
| Efficiency Ratio | 79.53% | 58.35% | 67.79% | 79.08% | Beats 24% | 478 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.20% | 0.09% | 0.46% | 1.20% | Beats 25% | 435 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 62% | 222 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.97% | 11.24% | 13.84% | 18.77% | Beats 11% | 562 / 629 | | |
| Total Risk-Based Capital Ratio | 9.97% | 11.58% | 14.43% | 19.66% | Beats 10% | 566 / 629 | | |
| Equity / Assets | 10.17% | 9.09% | 10.65% | 13.80% | Beats 42% | 365 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.90% | 67.24% | 80.90% | 93.48% | 23rd pctl | 456 / 594 | | |
| Loans / Assets | 58.00% | 53.31% | 67.71% | 78.15% | 32nd pctl | 430 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |