BANK OF THE BLUEGRASS AND TRUST CO.

LEXINGTON, KY | Small | Est. April 10, 1972, midnight | FDIC #21161 | RSSD #1006513 | FDIC
Latest Report: 2025-12-31

BANK OF THE BLUEGRASS AND TRUST CO. is asn small FDIC-insured commercial bank headquartered in LEXINGTON, KY, established in April 10, 1972, midnight. As of 2025-12-31, the bank reported total assets of $393M and total deposits of $333M. Profitability stands at 1.31% ROA and 14.95% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 9.15%. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.23%. FDIC Certificate #21161.

Assets

$393M

Deposits

$333M

Loans

$309M

Equity

$36M

Profitability

Return on Assets (ROA) 1.31%
Return on Equity (ROE) 14.95%
Net Interest Margin (NIM) 3.90%
Yield on Assets 5.95%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.23%
NPA Ratio 0.02%
ACL / Loans 1.71%

Capital & Liquidity

CET1 Ratio 9.15%
Tier 1 Capital 9.15%
Total Capital Ratio 9.61%
Leverage Ratio 10.46%
Loan-to-Deposit 92.80%

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