The Blue Grass Valley Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 5.21 percentage points in Q2 2026, from 64.39% to 59.17%. It was the largest change from Q1 2026 among the key lines here. The Blue Grass Valley Bank ranks 46th of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 64.90% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Blue Grass Valley Bank sits 2.72 points lower, at 64.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.8M |
| Net loans and leases | $34.3M |
| Loans held for sale | $0 |
| Loans to total assets | 58.00% |
| Loan-to-deposit ratio | 64.90% |
| Net loans to equity capital | 5.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.30% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.28% |
| Consumer | 5.33% |
| Credit cards | 0.00% |
| Farm | 14.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.17% |
| Construction concentration (Tier 1 capital + allowance) | 5.30% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.73% |
| Interest income on loans | $589K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $34.7M | $52.6M | 12.72% | 9.71% | 6.67% |
| Q4 2023 | $35.9M | $53.0M | 12.33% | 9.23% | 6.52% |
| Q1 2024 | $35.5M | $52.1M | 12.62% | 9.01% | 6.51% |
| Q2 2024 | $35.7M | $50.5M | 13.01% | 8.48% | 6.35% |
| Q3 2024 | $35.3M | $51.0M | 13.33% | 8.59% | 5.69% |
| Q4 2024 | $35.0M | $51.9M | 12.73% | 8.06% | 5.98% |
| Q1 2025 | $35.8M | $51.8M | 12.40% | 7.25% | 6.56% |
| Q2 2025 | $36.7M | $50.3M | 11.88% | 8.52% | 6.11% |
| Q3 2025 | $36.3M | $53.3M | 12.34% | 7.69% | 5.91% |
| Q4 2025 | $35.2M | $56.7M | 11.87% | 7.59% | 5.98% |
| Q1 2026 | $35.1M | $55.7M | 12.10% | 7.09% | 5.03% |
| Q2 2026 | $34.8M | $53.6M | 11.30% | 6.28% | 5.33% |
The Blue Grass Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Blue Grass Valley Bank, freeSource: Call Report Schedule RC-C, 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 The Blue Grass Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8672) · FFIEC NIC profile (RSSD 755421)