Blue Grass Savings Bank: how it compares with its peers
Against 115 IA banks with half to twice its assets, Blue Grass Savings Bank's strongest measure in Q2 2026 is assets per employee ($11.3M vs. a $8.5M peer median). Its weakest relative measure is net interest margin (3.46% vs. 3.64%).
| Measure | Blue Grass Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.31% | 1.40% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.46% | 3.64% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.44% | 55.05% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.3M | $8.5M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.77% | 79.70% | Context |
What it means for lending operations
Its efficiency ratio of 46.44% is better than the 55.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- WCF Financial Bank Webster City, IA · $224M
- Charter Bank Johnston, IA · $228M
- United Bank and Trust Company Hampton, IA · $228M
- West Iowa Bank West Bend, IA · $222M
- Farmers State Bank Northwood, IA · $221M
- BANK Wapello, IA · $217M
Questions about Blue Grass Savings Bank
How big is Blue Grass Savings Bank?
Blue Grass Savings Bank, established in 1902, is headquartered in Blue Grass, IA. It reported $225M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Blue Grass Savings Bank's return on assets?
1.31% annualized in Q2 2026, against a 1.40% median for 115 IA banks with half to twice its assets, ahead of 45% of them.
What is Blue Grass Savings Bank's efficiency ratio?
46.44% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 55.05%, and lower is better.
Is Blue Grass Savings Bank growing its loans?
Net loans grew 2.9% over the year to Q2 2026, while deposits shrank 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.