Bank Comparison
Blue Grass Valley Bank, the vs Integrity Bank for Business
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 12
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Blue Grass Valley Bank, the | Integrity Bank for Business |
|---|---|---|
| CET1 Ratio | — | 37.97% |
| Tier 1 Capital Ratio | — | 37.97% |
| Total Capital Ratio | — | 38.42% |
| Tier 1 Leverage Ratio | 9.68% | 24.60% |
| Equity / Assets | 9.68% | 24.68% |
Profitability
| Metric | Blue Grass Valley Bank, the | Integrity Bank for Business |
|---|---|---|
| Return on Assets (ROA) | 0.43% | 0.18% |
| Return on Equity (ROE) | 4.49% | 0.71% |
| Net Interest Margin (NIM) | 3.26% | 4.11% |
| Yield on Earning Assets | 5.18% | 4.92% |
| Cost of Funds | 1.94% | 0.94% |
Asset quality
| Metric | Blue Grass Valley Bank, the | Integrity Bank for Business |
|---|---|---|
| Texas Ratio | 9.94% | 0.00% |
| Non-Performing Loan Ratio | 1.12% | 0.00% |
| Non-Performing Asset Ratio | 0.63% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.28% | 0.50% |
Balance sheet
| Metric | Blue Grass Valley Bank, the | Integrity Bank for Business |
|---|---|---|
| Total Assets | $61,955K | $86,933K |
| Total Deposits | $55,656K | $64,904K |
| Total Loans | $35,102K | $47,604K |
| Total Equity | $5,999K | $21,456K |
| Net Income (quarter) | $67 | $38 |
Liquidity & funding
| Metric | Blue Grass Valley Bank, the | Integrity Bank for Business |
|---|---|---|
| Loan-to-Deposit Ratio | 63.07% | 73.35% |
| Core Deposit Ratio | 94.81% | 99.61% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Blue Grass Valley Bank, the | Integrity Bank for Business |
|---|---|---|
| Headquarters City | BLUE GRASS | VIRGINIA BEACH |
| Headquarters State | VA | VA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 10 | 10 |
| Established | Dec. 2, 1915, midnight | May 3, 2021, 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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