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Bank Of The Bluegrass And Trust Company
Lexington, KY · FDIC Certificate #21161 · Chartered 04/1
Total assets
$406.97M
Total deposits
$345.95M
Total equity
$37.47M
Net loans
$303.52M
Branches (offices)
4
Net income (YTD)
$2.74M
Rank: #2,044 of 4,213 U.S. banks by assets · #51 of 120 in Kentucky. Assets changed 0.9% and deposits -1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 15.08% |
| Net interest margin (YTD) | 3.72% |
| Equity to assets | 9.21% |
| Tier 1 leverage ratio | 10.80% |
| Uninsured deposits (share of deposits) | 33.7% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 87.7% |
| Real estate loans (share of loans) | 98.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $299.45M | 98.7% | |
| Commercial & industrial | $8.53M | 2.8% | |
| Consumer / individual | $1.20M | 0.4% | |
| Construction & development | $26.11M | 8.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $318.14M | $286.50M | $2.28M | $28.22M |
| Jun 2023 | $337.75M | $293.84M | $2.06M | $28.14M |
| Jun 2024 | $366.21M | $310.40M | $1.78M | $29.71M |
| Jun 2025 | $403.28M | $351.06M | $2.79M | $33.37M |
| Jun 2026 | $406.97M | $345.95M | $2.74M | $37.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $345.95M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $345.95M.
Similar-sized banks
Highlands Bank ($407.14M) · First Trust Bank Of Illinois ($406.26M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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