The Blue Grass Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Blue Grass Valley Bank of Blue Grass, VA against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.64% | 3.14% | -2.50% | 32nd below |
| ROAE | 6.48% | 10.42% | -3.94% | 38th below |
| Net Interest Margin | 3.43% | 3.93% | -0.50% | 28th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 75.75% | 76.30% | -0.55% | 39th below |
| PPNR / Avg Assets | 0.81% | 1.40% | -0.59% | 31st below |
| Yield on Earning Assets | 5.40% | 5.35% | +0.05% | 58th above |
| Cost of Funds | 1.99% | 1.70% | +0.29% | 29th below |
| Net Interest Spread | 2.89% | 3.31% | -0.42% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 1.34% | -0.56% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.71% | -0.26% | 33rd below |
| NCO / Avg Loans | -0.02% | 0.11% | -0.13% | 86th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.29% | 1.49% | -0.20% | 55th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 165.44% | 865.86% | -700.42% | 53rd above |
| Texas Ratio | 9.87% | 8.25% | +1.62% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.97% | 17.62% | -7.65% | 18th bottom |
| Equity / Assets | 10.17% | 16.43% | -6.26% | 28th below |
| TCE / Tangible Assets | 10.17% | 16.18% | -6.01% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.90% | 72.84% | -7.94% | 53rd above |
| Core Deposit Ratio | 94.60% | 88.20% | +6.40% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.67% | 4.31% | -2.64% | 44th below |
| Loan Growth (Y/Y) | -5.38% | 6.74% | -12.12% | 19th bottom |
| Deposit Growth (Y/Y) | 6.47% | 3.77% | +2.70% | 72nd above |
See The Blue Grass Valley Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Blue Grass Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Blue Grass Valley Bank profile, how to read a UBPR, or how this data updates.