BlastPoint's Banking Scorecard

The Blue Grass Valley Bank

under $100M Specialty: Other VA FDIC cert 8672

Designations: ✓ Community bank

Blue Grass, VA

2 branches across VA

541 banks in the under $100M peer group nationally 5 in 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 5.04% below tier average
+ Delinquency Rate 0.19% below tier average

Key Concerns

Areas that may need attention

- ROA 0.41% below tier average
- Net Interest Margin 0.61% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$62.0M +7.1% YoY -1.5% QoQ	-$203K	$62.2M -0.6% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$34.7M -1.9% YoY -0.4% QoQ	+$407K	$34.2M -1.4% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	54%
Total Deposits ?	$55.7M +7.5% YoY -1.8% QoQ	+$3.9M	$51.7M -0.7% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	0.43% +29.5% YoY -3.7% QoQ	-0.41%	0.84% -2.3% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	27%
Net Interest Margin ?	3.25% +2.3% YoY -3.0% QoQ	-0.61%	3.86% +2.8% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	83.30% -4.1% YoY +0.6% QoQ	-5.04%	88.34% +0.3% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	1.18% +606.9% YoY +142.9% QoQ	-0.19%	1.37% +33.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	62.26% -8.8% YoY +1.5% QoQ	-1.95%	64.22% -0.7% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	19.32% -2.8% YoY -1.4% QoQ	-4.40%	23.71% +0.3% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.66% +547.0% YoY +145.6% QoQ	-0.13%	0.79% +28.2% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	32%
Tier 1 Capital Ratio ?	9.68% -3.8% YoY +1.2% QoQ	-17.01%	26.68% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	Bottom 4.6% in tier
Non-Interest Income / Assets ?	0.06% -1.8% YoY -70.4% QoQ	-0.60%	0.67% +1.9% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	52%

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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 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

517

Tier 1 Capital Ratio

capital

Value: 9.68%

Peer Median: 26.68%

#517 of 541 Bottom 4.6% in under $100M

421

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.86%

#421 of 541 Bottom 22.4% in under $100M