BlastPoint's Banking Scorecard

Blue Grass Federal Savings and Loan Association

under $100M Specialty: Mortgage KY FDIC cert 31090

Paris, KY

537 banks in the under $100M peer group nationally 14 in KY

Blue Grass Federal Savings and Loan Association has 3 strengths but faces 3 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

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Efficiency Ratio 3.35% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 40.69% above tier average
- ROA 0.59% below tier average
- Net Interest Margin 1.12% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$57.8M +6.1% YoY +0.6% QoQ	-$4.5M	$62.3M -0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.0% YoY	42%
Total Loans ?	$41.9M +3.5% YoY +3.2% QoQ	+$7.6M	$34.3M -1.5% YoY	$492.7M +5.5% YoY	$3.2B +10.7% YoY	66%
Total Deposits ?	$40.0M +8.2% YoY +0.8% QoQ	-$11.9M	$51.8M -0.6% YoY	$590.5M +4.1% YoY	$4.8B +8.0% YoY	30%
Return on Assets ?	0.26% +4.3% YoY +8.9% QoQ	-0.59%	0.86% -3.6% YoY	1.25% +16.2% YoY	1.24% +13.1% YoY	22%
Net Interest Margin ?	2.75% +1.2% YoY -1.4% QoQ	-1.12%	3.87% +2.7% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Bottom 10.6% in tier
Efficiency Ratio ?	84.28% -1.5% YoY -2.2% QoQ	-3.35%	87.63% +2.3% YoY	64.22% -6.1% YoY	66.84% -3.8% YoY	28%
Delinquency Rate ?	0.00% -100.0% QoQ	-1.36%	1.36% +33.7% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	104.80% -4.3% YoY +2.3% QoQ	+40.69%	64.11% -0.9% YoY	80.71% +1.5% YoY	76.69% +0.9% YoY	Bottom 4.8% in tier
Non-Interest-Bearing Deposit Share ?	8.45% +9.3% YoY +10.6% QoQ	-15.34%	23.79% +0.5% YoY	23.47% -1.8% YoY	22.01% -1.1% YoY	Bottom 13.2% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.77%	0.77% +28.7% YoY	0.61% +22.3% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	26.01% -5.8% YoY +0.9% QoQ	-0.77%	26.77% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.07% +11.9% YoY -69.0% QoQ	-0.60%	0.67% +1.6% YoY	0.16% +4.4% YoY	0.32% +4.0% YoY	53%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

107

Tier 1 Capital Ratio

capital

Value: 26.01%

Peer Median: 26.77%

#107 of 537 Top 19.7% in under $100M

Top Weaknesses (4 metrics)

512

Loan-to-Deposit Ratio

liquidity

Value: 104.80%

Peer Median: 64.11%

#512 of 537 Bottom 4.8% in under $100M

481

Net Interest Margin

profitability

Value: 2.75%

Peer Median: 3.87%

#481 of 537 Bottom 10.6% in under $100M

467

Non-Interest-Bearing Deposit Share

funding

Value: 8.45%

Peer Median: 23.79%

#467 of 537 Bottom 13.2% in under $100M

421

Return on Assets

profitability

Value: 0.26%

Peer Median: 0.86%

#421 of 537 Bottom 21.8% in under $100M