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Bank of the Bluegrass and Trust Company

$100M-$1B Specialty: Commercial KY FDIC cert 21161

Lexington, KY

5 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits -1.5% year over year ($346.0M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 1.35%.
  • Efficiency ratio 61.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.73% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Bank of the Bluegrass and Trust Company has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 17.0% in tier
  • + Revenue Diversifier: Top 23.9% in tier
  • + Efficiency Ratio 2.58% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 28.3% in tier
  • - Net Interest Margin 0.27% below tier average
Get updates when Bank of the Bluegrass and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $407.0M
+0.9% YoY -2.0% QoQ
+$20.4M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
62%
Total Loans ? $303.5M
+4.7% YoY -0.7% QoQ
+$45.2M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
68%
Total Deposits ? $346.0M
-1.5% YoY -1.2% QoQ
+$19.2M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 1.35%
-5.8% YoY +2.9% QoQ
+0.03% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 3.72%
+10.7% YoY +3.8% QoQ
-0.27% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
38%
Efficiency Ratio ? 61.90%
-0.2% YoY +0.2% QoQ
-2.58% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 0.03%
-4.4% YoY +0.8% QoQ
-0.89% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 87.73%
+6.2% YoY +0.4% QoQ
+9.78% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 21.43%
+1.1% YoY +4.1% QoQ
-0.60% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
52%
Nonperforming Asset Ratio ? 0.02%
-0.9% YoY +2.0% QoQ
-0.65% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
83%
Tier 1 Capital Ratio ? 10.80%
+5.5% YoY +2.4% QoQ
-5.11% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.70%
+8.9% YoY +113.7% QoQ
+0.13% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Top 5.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 21.4%
+0.2pp YoY
+0.8pp QoQ
 -0.7pp 22.1% 23.5% 22.2% 52%
Brokered Deposits 1.9%
+0.5pp YoY
0.0pp QoQ
 -6.0pp 7.9% 5.4% 8.5% 29%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 2.8%
-0.4pp YoY
-0.4pp QoQ
 -8.7pp 11.6% 8.6% 12.5% 9%
CRE 55.6%
-7.1pp YoY
-2.9pp QoQ
 +16.0pp 39.5% 37.1% 41.4% 79%
1-4 Family 41.7%
+7.5pp YoY
+3.2pp QoQ
 +9.0pp 32.6% 41.6% 31.3% 72%
Consumer 0.4%
+0.2pp YoY
+0.2pp QoQ
 -3.7pp 4.1% 4.8% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 10.8%
+0.6pp YoY
+0.3pp QoQ
 -1.4pp 12.2% 14.0% 12.6% 46%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 63
+2 (+3.3%) YoY
-3 (-4.5%) QoQ
 +4 58 105 482 66%
Assets per Employee ($) $6.5M
-2.3% YoY
+2.7% QoQ
 -$1.1M $7.5M $6.3M $8.8M 42%
Branch Count 5
+1 (+25.0%) YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 8%
Allowance Coverage 58.00x
+9.1% YoY
+1.9% QoQ
 +33.85x 24.15x 7.45x 20.23x 95%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 31%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 15.1%
-2.5pp YoY
+0.2pp QoQ
 +2.9pp 12.2% 13.3% 11.6% 68%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 64%
Net Income ($, YTD) $2.7M
-1.7% YoY
— QoQ
 +$183K $2.6M $5.1M $40.4M 66%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#113 of 659 • Top 17.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#159 of 661 • Top 23.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.70%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.35%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Capital Thin

risk
#188 of 661 • Bottom 28.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.80%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

155
Non-Interest Income / Assets
revenue_mix
Value: 0.70%
Peer Median: 0.57%
#155 of 2643 Top 5.8% in $100M-$1B
443
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#443 of 2643 Top 16.7% in $100M-$1B
469
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#469 of 2633 Top 17.8% in $100M-$1B

Top Weaknesses (1 metrics)

2103
Tier 1 Capital Ratio
capital
Value: 10.80%
Peer Median: 15.91%
#2103 of 2643 Bottom 20.5% in $100M-$1B
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