BlastPoint's Banking Scorecard
Blue Grass Federal Savings and Loan Association
Micro
Specialty: Mortgage
KY
FDIC cert 31090
Paris, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Blue Grass Federal Savings and Loan Association has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 27.91% above tier
- + Tier 1 Capital Ratio 16.92% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.75% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.5M
+8.2% YoY
+2.3% QoQ
|
-$160.0M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$40.6M
+1.7% YoY
-1.8% QoQ
|
-$98.6M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$39.6M
+11.3% YoY
+3.1% QoQ
|
-$144.0M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.24%
+23.1% YoY
-0.4% QoQ
|
-0.84% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.79%
+5.0% YoY
-0.3% QoQ
|
-1.06% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
86.15%
-4.5% YoY
+0.1% QoQ
|
+18.42% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? | 0.00% | -0.63% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
102.43%
-8.6% YoY
-4.8% QoQ
|
+27.91% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.64%
+13.0% YoY
-0.0% QoQ
|
-14.75% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
25.77%
-8.9% YoY
-2.8% QoQ
|
+16.92% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.21%
-11.2% YoY
+29.7% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
102.43%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.77%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.64%
(Tier avg: 22.39%, National avg: 21.79%)
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
94
94th pctile
Tier 1 Capital Ratio
Current: 25.77% · Tier avg: 8.85%
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.43% · Tier avg: 74.53%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
15
15th pctile
Total Loans
Current: $40.6M · Tier avg: $139.2M
12
12th pctile
Efficiency Ratio
Current: 86.15% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.24% · Tier avg: 1.08%
10
10th pctile
Net Interest Margin
Current: 2.79% · Tier avg: 3.85%
9
9th pctile
Total Assets
Current: $57.5M · Tier avg: $217.5M
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.64% · Tier avg: 22.39%
7
7th pctile
Total Deposits
Current: $39.6M · Tier avg: $183.7M
Top Weaknesses
7
7th pctile
Total Deposits
Current: $39.6M · Tier avg: $183.7M
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.64% · Tier avg: 22.39%
9
9th pctile
Total Assets
Current: $57.5M · Tier avg: $217.5M
10
10th pctile
Net Interest Margin
Current: 2.79% · Tier avg: 3.85%
11
11th pctile
Return on Assets
Current: 0.24% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.15% · Tier avg: 67.73%
15
15th pctile
Total Loans
Current: $40.6M · Tier avg: $139.2M
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.43% · Tier avg: 74.53%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.77% · Tier avg: 8.85%