BlastPoint's Banking Scorecard
Blue Grass Federal Savings and Loan Association
Paris, 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 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
- Deposits +13.6% year over year ($40.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.29%.
- Efficiency ratio 82.90% vs a 119.40% peer average.
- Loan-to-deposit ratio 109.99% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Blue Grass Federal Savings and Loan Association has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 36.50% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 35.78% above tier average
- - ROA 0.71% below tier average
- - Net Interest Margin 1.09% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.5M
+9.8% YoY
+1.2% QoQ
|
-$3.9M |
$62.4M
-0.0% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$44.6M
+9.7% YoY
+6.5% QoQ
|
+$9.7M |
$34.9M
-0.6% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$40.6M
+13.6% YoY
+1.5% QoQ
|
-$11.1M |
$51.6M
-0.2% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
0.29%
+19.6% YoY
+10.0% QoQ
|
-0.71% |
1.00%
+3.5% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
2.83%
+2.2% YoY
+2.7% QoQ
|
-1.09% |
3.91%
+2.3% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.0% in tier |
| Efficiency Ratio ? |
82.90%
-3.7% YoY
-1.6% QoQ
|
-36.50% |
119.40%
+49.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
109.99%
-3.4% YoY
+5.0% QoQ
|
+35.78% |
74.21%
+12.6% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.48%
+3.4% YoY
-23.3% QoQ
|
-17.01% |
23.49%
+0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.0% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
25.63%
-5.6% YoY
-1.5% QoQ
|
-1.50% |
27.13%
+3.0% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.14%
+15.7% YoY
+108.0% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
53% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
6.5%
+0.2pp YoY -2.0pp QoQ |
-18.2pp | 24.6% | 23.5% | 22.2% | 6% |
| Brokered Deposits | 2.3% | -7.4pp | 9.8% | 5.4% | 8.5% | 24% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.8%
+0.9pp YoY +0.2pp QoQ |
-5.7pp | 13.4% | 8.6% | 12.5% | 38% |
| CRE |
19.0%
+2.0pp YoY -0.8pp QoQ |
-6.2pp | 25.2% | 37.1% | 41.4% | 45% |
| 1-4 Family |
71.1%
-1.9pp YoY +0.7pp QoQ |
+36.1pp | 35.0% | 41.6% | 31.3% | 87% |
| Consumer |
0.8%
-0.3pp YoY 0.0pp QoQ |
-6.9pp | 7.7% | 4.8% | 5.0% | 9% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
25.6%
-1.5pp YoY -0.4pp QoQ |
-13.1pp | 38.7% | 20.2% | 19.7% | 64% |
| Leverage Ratio |
15.9%
-1.0pp YoY 0.0pp QoQ |
-1.8pp | 17.7% | 14.0% | 12.6% | 74% |
| Total Capital Ratio |
26.9%
-1.5pp YoY -0.4pp QoQ |
-12.8pp | 39.7% | 21.3% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 105 | 482 | 29% |
| Assets per Employee ($) |
$7.3M
+9.8% YoY +1.2% QoQ |
+$1.1M | $6.2M | $6.3M | $8.8M | 71% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 7.45x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.8%
+0.4pp YoY +0.2pp QoQ |
-4.6pp | 6.4% | 13.3% | 11.6% | 18% |
| Cost of Funds (YTD) |
2.4%
0.0pp YoY 0.0pp QoQ |
+1.0pp | 1.4% | 1.7% | 1.7% | 92% |
| Net Income ($, YTD) |
$84,000
+29.2% YoY — QoQ |
-$234K | $317,817 | $5.1M | $40.4M | 22% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.