Bank of the Bluegrass and Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the Bluegrass and Trust Co. of Lexington, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.38% | 1.34% | +0.04% | 57th above |
| ROAE | 15.47% | 13.31% | +2.16% | 69th above |
| Net Interest Margin | 3.69% | 3.93% | -0.24% | 36th below |
| Efficiency Ratio | 61.87% | 61.14% | +0.73% | 49th below |
| PPNR / Avg Assets | 1.94% | 1.68% | +0.26% | 70th above |
| Yield on Earning Assets | 5.51% | 5.67% | -0.16% | 46th below |
| Cost of Funds | 2.02% | 1.88% | +0.14% | 36th below |
| Net Interest Spread | 3.02% | 3.32% | -0.30% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 81st top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 82nd top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.76% | 1.28% | +0.48% | 89th top |
| ACL / NPLs (Coverage) | 5800.00% | 1536.83% | +4263.17% | — |
| Texas Ratio | 0.22% | 7.33% | -7.11% | 85th top |
| Provision / NCO | 9000.00% | 1390.93% | +7609.07% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.80% | 12.14% | -1.34% | 46th below |
| Equity / Assets | 9.21% | 11.38% | -2.17% | 30th below |
| TCE / Tangible Assets | 9.21% | 11.09% | -1.88% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.31% | 80.63% | +8.68% | 30th below |
| Core Deposit Ratio | 93.69% | 86.86% | +6.83% | 77th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.42% | 5.03% | -0.61% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.92% | 6.85% | -5.93% | 25th below |
| Loan Growth (Y/Y) | 4.73% | 7.90% | -3.17% | 46th below |
| Deposit Growth (Y/Y) | -1.45% | 6.29% | -7.74% | 16th bottom |
See Bank of the Bluegrass and Trust Co.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of the Bluegrass and Trust Co., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of the Bluegrass and Trust Co. profile, how to read a UBPR, or how this data updates.