$415M
+7.4%y/y
Percentile by value32nd percentileby value
FDIC
ASSETBB
Bank of the Bluegrass and Trust Company
Lexington, KentuckyFDIC Cert #21161
STATEEstablished 19725 branches
Holding company: BLUEGRASS BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBank of the Bluegrass and Trust Company reported $415M in total assets. Deposits grew 4.43% over the prior year.
Return on assets was 1.31%, compared with an asset-peer median of 1.22%. The leverage ratio was 10.55%.
- Why is Total Assets below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$350M
+4.4%y/y
Percentile by value31st percentileby value
FDIC
DEP$306M
+4.6%y/y
Percentile by value42nd percentileby value
FDIC
LNLSNET1.31%
−32 bpsy/y
Peer standing55th percentile
FDIC
NETINC + ROA61.77%
+96 bpsy/y
Peer standing52nd percentile
FDIC
NONIX + NIM + NONII + EEFFR10.55%
+36 bpsy/y
Peer standing48th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $311M | $270M |
| Q3 2021 | $324M | $283M |
| Q4 2021 | $321M | $284M |
| Q1 2022 | $326M | $291M |
| Q2 2022 | $318M | $286M |
| Q3 2022 | $319M | $289M |
| Q4 2022 | $330M | $284M |
| Q1 2023 | $332M | $287M |
| Q2 2023 | $338M | $294M |
| Q3 2023 | $344M | $298M |
| Q4 2023 | $352M | $291M |
| Q1 2024 | $360M | $306M |
| Q2 2024 | $366M | $310M |
| Q3 2024 | $379M | $323M |
| Q4 2024 | $375M | $326M |
| Q1 2025 | $387M | $335M |
| Q2 2025 | $403M | $351M |
| Q3 2025 | $406M | $356M |
| Q4 2025 | $393M | $333M |
| Q1 2026 | $415M | $350M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $56.4M |
| Investor CRE | $57.8M |
| Multifamily | $37.8M |
| Construction | $26.8M |
| 1–4 family | $118M |
| C&I | $9.85M |
| Agriculture | $4.3M |
| Other | $517K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.31%55th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE14.86%68th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.58%35th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.77%52nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+4.43%51st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+4.57%43rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.03%86th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ10.55%48th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.61%40th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.31%55th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.59%Median 1.26%90th 1.93%Observations 120
ROE
FDIC
NETINC + ROE14.86%64th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.25%Median 13.08%90th 22.33%Observations 120
NIM
FDIC
NIM + NIMY3.58%33rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.10%Median 3.88%90th 4.65%Observations 120
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.77%51st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.42%Median 61.83%90th 78.71%Observations 120
Deposits YoY
FDIC
DEP+4.43%52nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.06%Median +3.80%90th +11.14%Observations 120
Loans YoY
FDIC
LNLSNET+4.57%41st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.35%Median +6.09%90th +15.85%Observations 120
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.03%91st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.42%90th 2.06%Observations 120
Leverage
FDIC
RBC1AAJ10.55%49th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.86%Median 10.66%90th 15.01%Observations 120
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.61%44th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.48%Median 2.53%90th 3.35%Observations 120
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 64%Median 168%90th 259%Observations 70
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.31%52nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.67%Median 1.31%90th 1.91%Observations 43
ROE
FDIC
NETINC + ROE14.86%62nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.38%Median 13.30%90th 23.44%Observations 43
NIM
FDIC
NIM + NIMY3.58%43rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.13%Median 3.78%90th 4.44%Observations 43
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR61.77%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.97%Median 57.62%90th 73.49%Observations 43
Deposits YoY
FDIC
DEP+4.43%45th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.37%Median +5.37%90th +11.47%Observations 43
Loans YoY
FDIC
LNLSNET+4.57%36th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.42%Median +6.13%90th +16.09%Observations 43
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.03%95th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.10%Median 0.41%90th 1.34%Observations 43
Leverage
FDIC
RBC1AAJ10.55%52nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.68%Median 10.40%90th 13.31%Observations 43
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.61%52nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.80%Median 2.73%90th 3.52%Observations 43
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 182%90th 299%Observations 27
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- Lexington, KY
FDIC
OFFDOMOpen the Kentucky dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data