BlastPoint's Banking Scorecard
Bank of the Bluegrass and Trust Company
Lexington, KY
5 branches across KY
Bank of the Bluegrass and Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 17.5% in tier
- + Revenue Diversifier: Top 26.1% in tier
- + Efficiency Ratio 3.52% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 39.7% in tier
- - Net Interest Margin 0.35% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$415.2M
+7.4% YoY
+5.6% QoQ
|
+$29.1M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$305.8M
+4.6% YoY
+0.7% QoQ
|
+$50.1M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$350.1M
+4.4% YoY
+5.2% QoQ
|
+$22.1M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
1.31%
-19.4% YoY
-1.3% QoQ
|
+0.04% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
3.58%
+6.6% YoY
+2.1% QoQ
|
-0.35% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
61.77%
+1.6% YoY
-1.8% QoQ
|
-3.52% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
0.03%
-4.4% YoY
-35.2% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
87.35%
+0.1% YoY
-4.2% QoQ
|
+10.71% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
20.58%
-9.3% YoY
+1.7% QoQ
|
-1.44% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.02%
-6.9% YoY
-38.2% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
10.55%
+3.6% YoY
+0.9% QoQ
|
-5.28% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.33%
-2.7% YoY
-76.2% QoQ
|
+0.05% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
Top 6.2% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.