BlastPoint's Banking Scorecard
Bank of the Bluegrass and Trust Company
Micro
Specialty: Commercial
KY
FDIC cert 21161
Designations: ✓ Community bank
Lexington, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Bank of the Bluegrass and Trust Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.80% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$393.1M
+4.7% YoY
-3.1% QoQ
|
+$175.6M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$303.6M
+6.5% YoY
+3.8% QoQ
|
+$164.4M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$332.8M
+2.2% YoY
-6.6% QoQ
|
+$149.2M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.33%
+16.1% YoY
+0.1% QoQ
|
+0.25% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
3.51%
+12.6% YoY
+3.2% QoQ
|
-0.34% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
62.87%
-6.5% YoY
+0.9% QoQ
|
-4.86% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.05%
+42.4% YoY
-3.7% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
91.22%
+4.2% YoY
+11.2% QoQ
|
+16.69% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
20.25%
-13.0% YoY
+4.5% QoQ
|
-2.15% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.04%
+44.7% YoY
+3.2% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.37%
+1.1% YoY
+43.1% QoQ
|
+0.80% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.37%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest Income / Assets
Current: 1.37% · Tier avg: 0.56%
93
93th pctile
Total Loans
Current: $303.6M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $393.1M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $332.8M · Tier avg: $183.7M
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
66
66th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.08%
59
59th pctile
Efficiency Ratio
Current: 62.87% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.25% · Tier avg: 22.39%
34
34th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.85%
21
21th pctile
Loan-to-Deposit Ratio
Current: 91.22% · Tier avg: 74.53%
Top Weaknesses
21
21th pctile
Loan-to-Deposit Ratio
Current: 91.22% · Tier avg: 74.53%
34
34th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.85%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.25% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Efficiency Ratio
Current: 62.87% · Tier avg: 67.73%
66
66th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.08%
76
76th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
87
87th pctile
Total Deposits
Current: $332.8M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $393.1M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $303.6M · Tier avg: $139.2M
95
95th pctile
Non-Interest Income / Assets
Current: 1.37% · Tier avg: 0.56%