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The Blue Grass Valley Bank

under $100M Specialty: Other VA FDIC cert 8672

Designations: ✓ Community bank

Blue Grass, VA

2 branches across VA

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 4 in VA.
  • Deposits +6.5% year over year ($53.6M on the books).
  • Delinquency rate 1.21%.
  • Return on assets 0.54%.
  • Efficiency ratio 79.53% vs a 119.40% peer average.
  • Loan-to-deposit ratio 64.06% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 4 in VA
View under $100M leaderboard (VA) →

The Blue Grass Valley Bank has 2 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

  • + Efficiency Ratio 39.87% below tier average
  • + Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.46% below tier average
  • - Net Interest Margin 0.56% below tier average
Get updates when The Blue Grass Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $59.9M
+1.7% YoY -3.3% QoQ
-$2.5M $62.4M
-0.0% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $34.3M
-5.5% YoY -1.0% QoQ
-$586K $34.9M
-0.6% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $53.6M
+6.5% YoY -3.8% QoQ
+$1.9M $51.6M
-0.2% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 0.54%
+16.5% YoY +24.8% QoQ
-0.46% 1.00%
+3.5% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 3.35%
+1.6% YoY +3.0% QoQ
-0.56% 3.91%
+2.3% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 79.53%
-2.9% YoY -4.5% QoQ
-39.87% 119.40%
+49.6% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
32%
Delinquency Rate ? 1.21%
+116.7% YoY +2.7% QoQ
-0.27% 1.48%
+31.8% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 64.06%
-11.2% YoY +2.9% QoQ
-10.15% 74.21%
+12.6% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 20.59%
+18.4% YoY +6.6% QoQ
-2.90% 23.49%
+0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.69%
+101.6% YoY +5.1% QoQ
-0.14% 0.84%
+23.0% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 9.97%
-2.4% YoY +3.1% QoQ
-17.15% 27.13%
+3.0% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
Bottom 6.0% in tier
Non-Interest Income / Assets ? 0.12%
+5.5% YoY +91.2% QoQ
-1.26% 1.38%
+6.3% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
49%

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 20.6%
+3.2pp YoY
+1.3pp QoQ
 -4.1pp 24.6% 26.2% 22.2% 39%
Brokered Deposits n/a n/a 9.8% 8.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 6.4%
-2.3pp YoY
-0.8pp QoQ
 -7.0pp 13.4% 11.0% 12.5% 30%
CRE n/a n/a 25.2% 46.9% 41.4% n/a
1-4 Family 55.7%
+3.5pp YoY
+0.9pp QoQ
 +20.8pp 35.0% 32.6% 31.3% 77%
Consumer 5.4%
-0.8pp YoY
+0.3pp QoQ
 -2.3pp 7.7% 8.0% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio n/a n/a 38.7% 17.2% 19.7% n/a
Leverage Ratio 10.0%
-0.2pp YoY
+0.3pp QoQ
 -7.7pp 17.7% 12.2% 12.6% 18%
Total Capital Ratio n/a n/a 39.7% 18.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 10
-1 (-9.1%) YoY
0 QoQ
 -2 12 1,956 482 43%
Assets per Employee ($) $6.0M
+11.8% YoY
-3.3% QoQ
 -$195K $6.2M $9.9M $8.8M 50%
Branch Count 2
0 YoY
0 QoQ
 +0 1 28 18 63%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 1.1%
+0.7pp YoY
+0.4pp QoQ
 +0.1pp 1.0% 0.2% 0.4% 77%
Nonaccrual 0.1%
0.0pp YoY
-0.3pp QoQ
 -1.6pp 1.7% 0.7% 1.0% 14%
Allowance Coverage 1.08x
-51.1% YoY
-1.2% QoQ
 -5.33x 6.41x 9.47x 20.23x 45%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.2pp 0.2% 0.2% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 5.5%
+0.9pp YoY
+1.0pp QoQ
 -0.9pp 6.4% 12.0% 11.6% 35%
Cost of Funds (YTD) 1.9%
+0.2pp YoY
0.0pp QoQ
 +0.5pp 1.4% 1.7% 1.7% 81%
Net Income ($, YTD) $165,000
+23.1% YoY
— QoQ
 -$153K $317,817 $137.1M $40.4M 32%

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).
Comparing against 536 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

505
Tier 1 Capital Ratio
capital
Value: 9.97%
Peer Median: 27.13%
#505 of 536 Bottom 6.0% in under $100M
408
Net Interest Margin
profitability
Value: 3.35%
Peer Median: 3.91%
#408 of 536 Bottom 24.1% in under $100M
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