Bank of the Bluegrass and Trust Company: how it compares with its peers
Against 60 KY banks with half to twice its assets, Bank of the Bluegrass and Trust Company's strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $6.0M peer median). Its weakest relative measure is net interest margin (3.72% vs. 3.93%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 1.29% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.72% | 3.93% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.90% | 58.43% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.0M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.73% | 83.73% | Context |
What it means for lending operations
Its efficiency ratio of 61.90% is above the 58.43% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Lexington, Inc. Lexington, KY · $411M
- First State Bank Irvington, KY · $402M
- Cumberland Security Bank, Inc. Somerset, KY · $420M
- Citizens Bank & Trust Company Campbellsville, KY · $383M
- Town & Country Bank and Trust Company Bardstown, KY · $434M
- Morgantown Bank & Trust Company, Incorporated Morgantown, KY · $440M
Questions about Bank of the Bluegrass and Trust Company
How big is Bank of the Bluegrass and Trust Company?
Bank of the Bluegrass and Trust Company, established in 1972, is headquartered in Lexington, KY. It reported $407M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Bank of the Bluegrass and Trust Company's return on assets?
1.35% annualized in Q2 2026, against a 1.29% median for 60 KY banks with half to twice its assets, ahead of 52% of them.
What is Bank of the Bluegrass and Trust Company's efficiency ratio?
61.90% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 58.43%, and lower is better.
Is Bank of the Bluegrass and Trust Company growing its loans?
Net loans grew 4.7% over the year to Q2 2026, while deposits shrank 1.5%.
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 KY 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 Kentucky bank ranked.