Blue Grass Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Blue Grass Savings Bank is an FDIC-insured commercial bank headquartered in Blue Grass, IA, established in 1902 (FDIC certificate 13753), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $225.5M, down 0.3% from Q2 2025, the 129th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.30% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13753
- Headquarters
- Blue Grass, IA
- Established
- 1902
- Total assets, Q2 2026
- $225.5M
- Assets vs Q2 2025
- -0.3%
- Tier 1 leverage ratio, Q2 2026
- 14.30%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073912086
- Latest call report
- Q2 2026, FFIEC 051 · Blue Grass Savings Bank call report
- Holding company
- E M F CORPORATION
- Asset rank in state
- 129th of 225 in Iowa
Blue Grass Savings Bank runs leaner than most banks of its size. Its balance sheet stood at $225 million at June 30, 2026; it is based in Blue Grass, Iowa. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also lost 1.2% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Earnings jumped: net income for the quarter was $830,000, 43% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.34% of loans from 0.70%.
As of June 30, 2026, Blue Grass Savings Bank reported a return on assets of 1.47%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 1.20%. The figures come from its call report filed with the FFIEC.
Blue Grass Savings Bank ranks as the 129th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.5% to $225.5M, loans fell 0.5% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.5% of total loans, ahead of commercial and industrial loans at 16.4%. The FDIC Summary of Deposits lists 2 offices for it, in Blue Grass, IA and Davenport, IA; its Blue Grass office books 86% of its branch deposits. Judged on its Q2 2026 call report, Blue Grass Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 E Mayne St, Blue Grass, IA 52726
- County
- Scott
- Metro Area
- Davenport-Moline-Rock Island, IA-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $185.6M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $225.6M
- Average total loans
- $116.9M
- Average interest-bearing deposits
- $151.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13753
- Fed RSSD
- 794345
- Website
- www.bluegrassbank.com →
- Parent Holding Company
- E M F CORPORATION (RSSD 1143913)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Blue Grass Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Blue Grass Savings Bank's total assets ranged from $220.6M (Q4 2025) to $230.4M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$225.5M total assets against $226.2M; $195.4M total liabilities against $198.4M.
$114.7M net loans and leases against $111.4M; $185.6M total deposits against $187.9M.
$87.8M securities against $94.0M; $9.1M cash and balances due against $6.7M.
$2.9M total interest income against $2.5M; $1.0M total interest expense against $1.1M.
$1.9M net interest income against $1.4M.
$102K total noninterest income against $117K; $878K total noninterest expense against $806K.
$30K provision for credit losses against $30K.
$830K net income against $579K.
1.47% return on assets against 1.03%; 3.58% net interest margin against 2.76%.
14.30% tier 1 leverage ratio against 13.88%.
Inside the full Blue Grass Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBlue Grass Savings Bank rankings
Its closest position to the top of a national ranking is 378 of 3,606, for efficiency ratio; its furthest is 2,593 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q4 2024) to 1.47% (Q2 2026) and its net interest margin ran from 2.36% (Q3 2024) to 3.58% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.30% | 1.47% | 0.34% | 1.20% | 3.58% |
| Q1 2026 | 14.13% | 1.12% | 0.61% | 2.24% | 3.25% |
| Q4 2025 | 13.73% | 1.10% | 0.31% | 1.18% | 3.24% |
| Q3 2025 | 13.93% | 1.13% | 0.33% | 1.19% | 3.05% |
| Q2 2025 | 13.88% | 1.03% | 0.70% | 2.60% | 2.76% |
| Q1 2025 | 13.45% | 0.87% | 0.64% | 2.40% | 2.65% |
| Q4 2024 | 13.05% | 0.69% | 0.54% | 2.17% | 2.53% |
| Q3 2024 | 13.20% | 0.74% | 0.99% | 3.60% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Blue Grass Savings Bank (main office) | Blue Grass , IA | 52726 | $160.2M |
| Davenport Branch | Davenport , IA | 52804 | $25.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 147 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 117 applications, 116 loans originated, $15.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Blue Grass Savings Bank
What are Blue Grass Savings Bank's total assets?
As of the Q2 2026 filing, Blue Grass Savings Bank reported total assets of $225.5 million in its FFIEC call report.
Where is Blue Grass Savings Bank headquartered?
It is headquartered in Blue Grass, IA, United States.
When was Blue Grass Savings Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Blue Grass Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Blue Grass Savings Bank?
Blue Grass Savings Bank's primary federal regulator is the FDIC.
How many branches does Blue Grass Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Blue Grass Savings Bank's Texas Ratio?
Its Texas Ratio is 1.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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