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The Blue Grass Valley Bank
Blue Grass, VA · FDIC Certificate #8672 · Chartered 12/0
Total assets
$59.93M
Total deposits
$53.55M
Total equity
$6.10M
Net loans
$34.31M
Branches (offices)
2
Net income (YTD)
$165.00K
Rank: #3,968 of 4,213 U.S. banks by assets · #55 of 56 in Virginia. Assets changed 1.7% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.54% |
| Return on equity | 5.49% |
| Net interest margin (YTD) | 3.35% |
| Equity to assets | 10.17% |
| Tier 1 leverage ratio | 9.97% |
| Uninsured deposits (share of deposits) | 5.9% |
| Noncurrent loans (share of loans) | 1.20% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 64.1% |
| Real estate loans (share of loans) | 83.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.50M | 83.1% | |
| Commercial & industrial | $2.18M | 6.4% | |
| Consumer / individual | $1.85M | 5.4% | |
| Construction & development | $347.00K | 1.0% | |
| Agricultural | $2.23M | 6.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $55.96M | $49.40M | $131.00K | $5.52M |
| Jun 2023 | $56.97M | $51.10M | $104.00K | $5.67M |
| Jun 2024 | $56.50M | $50.54M | $28.00K | $5.72M |
| Jun 2025 | $58.95M | $50.30M | $134.00K | $5.91M |
| Jun 2026 | $59.93M | $53.55M | $165.00K | $6.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $53.55M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $53.55M.
Similar-sized banks
The Waterford Commercial And Savings Bank ($60.02M) · Gn Bank ($59.78M)
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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