Blue Grass Federal Savings and Loan Association: 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 Loan-to-deposit ratio: 5.22 percentage points higher than in Q1 2026, at 111.03%. On return on assets, Blue Grass Federal Savings and Loan Association is 7th from the bottom among 119 Kentucky banks, 0.32% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Blue Grass Federal Savings and Loan Association reported 0.32% on return on assets in Q2 2026, 0.66 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.63% |
| Tier 1 risk-based capital ratio | 25.63% |
| Total risk-based capital ratio | 26.87% |
| Tier 1 leverage ratio | 15.91% |
| Equity capital to assets | 16.01% |
| Tangible equity to tangible assets | 15.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.32% |
| Return on equity | 1.97% |
| Net interest margin | 2.87% |
| Efficiency ratio | 81.61% |
| Yield on earning assets | 5.34% |
| Cost of funds | 3.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.03% |
| Core deposits to total deposits | 86.50% |
| Brokered deposits to total deposits | 2.35% |
| Deposits to assets | 69.31% |
| Securities to assets | 6.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 29.85% | 29.85% | 31.07% | 17.02% | 0.33% |
| Q4 2023 | 28.57% | 28.57% | 29.77% | 17.29% | 0.34% |
| Q1 2024 | 29.30% | 29.30% | 30.55% | 17.42% | 0.23% |
| Q2 2024 | 27.14% | 27.14% | 28.39% | 17.30% | 0.15% |
| Q3 2024 | 27.10% | 27.10% | 28.34% | 17.16% | 0.14% |
| Q4 2024 | 28.28% | 28.28% | 29.53% | 17.02% | 0.26% |
| Q1 2025 | 27.62% | 27.62% | 28.87% | 16.84% | 0.25% |
| Q2 2025 | 27.15% | 27.15% | 28.40% | 16.92% | 0.23% |
| Q3 2025 | 26.50% | 26.50% | 27.75% | 16.56% | 0.25% |
| Q4 2025 | 25.77% | 25.77% | 27.00% | 16.12% | 0.24% |
| Q1 2026 | 26.01% | 26.01% | 27.26% | 15.87% | 0.26% |
| Q2 2026 | 25.63% | 25.63% | 26.87% | 15.91% | 0.32% |
Blue Grass Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Blue Grass Federal Savings and Loan Association, 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 Blue Grass Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31090) · FFIEC NIC profile (RSSD 617079)