Bank of the Bluegrass and Trust Co.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 110.64 percentage points higher than in Q1 2026, at 5800.00%. Bank of the Bluegrass and Trust Co. ranks 51st of 119 Kentucky banks on return on assets, in the upper half at 1.38% (Q2 2026). Bank of the Bluegrass and Trust Co. reported 1.38% on return on assets for Q2 2026, 0.13 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.80% |
| Equity capital to assets | 9.21% |
| Tangible equity to tangible assets | 9.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.22% |
| Allowance for credit losses to loans | 1.76% |
| Reserve coverage of non-performing loans | 5800.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.38% |
| Return on equity | 15.47% |
| Net interest margin | 3.69% |
| Efficiency ratio | 61.87% |
| Yield on earning assets | 5.51% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.31% |
| Core deposits to total deposits | 93.69% |
| Brokered deposits to total deposits | 1.90% |
| Deposits to assets | 85.01% |
| Securities to assets | 15.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.63% | 0.90% | 3.11% | 0.00% | 0.01% |
| Q4 2023 | 10.69% | 0.82% | 3.03% | 0.00% | 0.01% |
| Q1 2024 | 10.20% | 0.94% | 2.84% | 0.00% | 0.01% |
| Q2 2024 | 10.42% | 1.00% | 2.97% | 0.00% | 0.02% |
| Q3 2024 | 9.96% | 1.37% | 3.02% | 0.04% | 0.01% |
| Q4 2024 | 10.41% | 1.19% | 3.13% | 0.03% | 0.04% |
| Q1 2025 | 10.19% | 1.60% | 3.25% | 0.03% | 0.00% |
| Q2 2025 | 10.24% | 1.22% | 3.23% | 0.03% | 0.00% |
| Q3 2025 | 10.27% | 1.13% | 3.35% | 0.03% | -0.01% |
| Q4 2025 | 10.46% | 1.29% | 3.57% | 0.03% | 0.00% |
| Q1 2026 | 10.55% | 1.31% | 3.53% | 0.03% | 0.00% |
| Q2 2026 | 10.80% | 1.38% | 3.69% | 0.03% | 0.00% |
Bank of the Bluegrass and Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Bluegrass and Trust Co., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of the Bluegrass and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21161) · FFIEC NIC profile (RSSD 1006513)