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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