Bank Comparison
B2 Bank N.A. vs Blue Grass Valley Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 8
winning metrics across 18 comparable rows
Capital adequacy
| Metric | B2 Bank N.A. | Blue Grass Valley Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.60% | 9.68% |
| Equity / Assets | 17.64% | 9.68% |
Profitability
| Metric | B2 Bank N.A. | Blue Grass Valley Bank, the |
|---|---|---|
| Return on Assets (ROA) | -1.73% | 0.43% |
| Return on Equity (ROE) | -10.15% | 4.49% |
| Net Interest Margin (NIM) | 4.31% | 3.26% |
| Yield on Earning Assets | 5.54% | 5.18% |
| Cost of Funds | 1.37% | 1.94% |
Asset quality
| Metric | B2 Bank N.A. | Blue Grass Valley Bank, the |
|---|---|---|
| Texas Ratio | 5.23% | 9.94% |
| Non-Performing Loan Ratio | 1.65% | 1.12% |
| Non-Performing Asset Ratio | 0.92% | 0.63% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.94% | 1.28% |
Balance sheet
| Metric | B2 Bank N.A. | Blue Grass Valley Bank, the |
|---|---|---|
| Total Assets | $61,988K | $61,955K |
| Total Deposits | $50,881K | $55,656K |
| Total Loans | $34,414K | $35,102K |
| Total Equity | $10,932K | $5,999K |
| Net Income (quarter) | $-281 | $67 |
Liquidity & funding
| Metric | B2 Bank N.A. | Blue Grass Valley Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 67.64% | 63.07% |
| Core Deposit Ratio | 98.21% | 94.81% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | B2 Bank N.A. | Blue Grass Valley Bank, the |
|---|---|---|
| Headquarters City | VIRGINIA | BLUE GRASS |
| Headquarters State | MN | VA |
| Asset Tier | Micro | Micro |
| Charter Class | 11622 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 22 | 10 |
| Established | Feb. 1, 1902, midnight | Dec. 2, 1915, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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