The Blue Grass Valley Bank
BankRegReports is independent of The Blue Grass Valley Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Blue Grass Valley Bank is an FDIC-insured commercial bank headquartered in Blue Grass, VA, established in 1915 (FDIC certificate 8672), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $59.9M, up 1.7% from Q2 2025, the 55th largest of 56 banks headquartered in Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.97% 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
- 8672
- Headquarters
- Blue Grass, VA
- Established
- 1915
- Total assets, Q2 2026
- $59.9M
- Assets vs Q2 2025
- +1.7%
- Tier 1 leverage ratio, Q2 2026
- 9.97%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 051405094
- Asset rank in state
- 55th of 56 in Virginia
Problem loans are rising at The Blue Grass Valley Bank. Based in Blue Grass, Virginia, it had $60 million in assets at June 30, 2026, up 1.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.20% of loans from 0.55% a year earlier. It funds 9.97% of its assets with Tier 1 capital, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 13.06%). It also shrank its loan book 5.4% over the year, lower than about three-quarters of banks its size (median 2.6%).
Loans and deposits moved in opposite directions: over the year loans fell 5.4% and deposits rose 6.5%. Delinquency has appeared in its $3.5 million non-owner-occupied commercial real estate book: 7.26% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, The Blue Grass Valley Bank reported a return on assets of 0.64%, a nonperforming-loan ratio of 1.20% and a Texas ratio of 6.35%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, The Blue Grass Valley Bank is the 55th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.3% to $59.9M, loans fell 1.0% and deposits fell 3.8%. 1-4 family residential loans made up 55.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 14.7%. Its 2 offices in the FDIC Summary of Deposits are in Monterey, VA and Blue Grass, VA; its Monterey office books 63% of its branch deposits. On its Q2 2026 call report, The Blue Grass Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2583 Blue Grass Valley Rd, Blue Grass, VA 24413
- County
- Highland
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 2, 1915
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $53.6M
- Allowance for credit losses
- $450K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $61.1M
- Average total loans
- $35.0M
- Average interest-bearing deposits
- $44.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8672
- Fed RSSD
- 755421
- Website
- www.bluegrassvalleybank.com →
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, The Blue Grass Valley 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, The Blue Grass Valley Bank's total assets ranged from $56.5M (Q2 2024) to $62.9M (Q4 2025), 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
$59.9M total assets against $58.9M; $53.8M total liabilities against $53.0M.
$34.3M net loans and leases against $36.3M; $53.6M total deposits against $50.3M.
$15.1M securities against $13.1M; $9.6M cash and balances due against $8.4M.
$753K total interest income against $681K; $274K total interest expense against $231K.
$479K net interest income against $450K.
$34K total noninterest income against $31K; $389K total noninterest expense against $371K.
$0 provision for credit losses against $0.
$98K net income against $86K.
0.64% return on assets against 0.59%; 3.43% net interest margin against 3.40%.
9.97% tier 1 leverage ratio against 10.22%.
Inside the full The Blue Grass Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Blue Grass Valley Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.24% (Q4 2025) to 0.64% (Q2 2026) and its net interest margin ran from 2.89% (Q3 2024) to 3.43% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.97% | 0.64% | 1.20% | 6.35% | 3.43% |
| Q1 2026 | 9.68% | 0.43% | 1.17% | 6.34% | 3.26% |
| Q4 2025 | 9.56% | 0.24% | 0.48% | 2.65% | 3.39% |
| Q3 2025 | 10.22% | 0.63% | 0.64% | 3.61% | 3.42% |
| Q2 2025 | 10.22% | 0.59% | 0.55% | 3.19% | 3.40% |
| Q1 2025 | 10.07% | 0.33% | 0.16% | 0.94% | 3.18% |
| Q4 2024 | 10.02% | 0.40% | 0.24% | 1.33% | 3.04% |
| Q3 2024 | 10.23% | 0.36% | 0.19% | 1.06% | 2.89% |
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 |
|---|---|---|---|
| Monterey Branch | Monterey , VA | 24465 | $34.0M |
| The Blue Grass Valley Bank | Blue Grass , VA | 24413 | $19.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in VA, rank 94 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Blue Grass Valley Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Blue Grass Valley Bank with peers
Frequently asked about The Blue Grass Valley Bank
What are The Blue Grass Valley Bank's total assets?
As of the Q2 2026 filing, The Blue Grass Valley Bank reported total assets of $59.9 million in its FFIEC call report.
Where is The Blue Grass Valley Bank headquartered?
It is headquartered in Blue Grass, VA, United States.
When was The Blue Grass Valley Bank founded?
It was established in 1915, per the FDIC institution directory.
Is The Blue Grass Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Blue Grass Valley Bank?
The Blue Grass Valley Bank's primary federal regulator is the FDIC.
How many branches does The Blue Grass Valley 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 The Blue Grass Valley Bank's Texas Ratio?
Its Texas Ratio is 6.35% 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.
Go deeper on The Blue Grass Valley Bank.
Get an email when The Blue Grass Valley Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Blue Grass Valley Bank, freeFree account