Blue Grass Federal Savings and Loan Association: how it compares with its peers
Against 14 KY banks with half to twice its assets, Blue Grass Federal Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $4.4M peer median). Its weakest relative measure is return on assets (0.29% vs. 0.73%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.29% | 0.73% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.83% | 4.24% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 82.90% | 75.54% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $4.4M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 109.99% | 80.99% | Context |
What it means for lending operations
Its efficiency ratio of 82.90% is above the 75.54% 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
- Pinnacle Bank, Inc. Pikeville, KY · $58M
- Farmers & Traders Bank of Campton Campton, KY · $67M
- Farmers State Bank Booneville, KY · $69M
- Clinton Bank Clinton, KY · $70M
- Security Bank and Trust Co. Maysville, KY · $72M
- Cornerstone Community Bank Owensboro, KY · $44M
Questions about Blue Grass Federal Savings and Loan Association
How big is Blue Grass Federal Savings and Loan Association?
Blue Grass Federal Savings and Loan Association, established in 1914, is headquartered in Paris, KY. It reported $59M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Blue Grass Federal Savings and Loan Association's return on assets?
0.29% annualized in Q2 2026, against a 0.73% median for 14 KY banks with half to twice its assets, ahead of 14% of them.
What is Blue Grass Federal Savings and Loan Association's efficiency ratio?
82.90% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 75.54%, and lower is better.
Is Blue Grass Federal Savings and Loan Association growing its loans?
Net loans grew 9.7% over the year to Q2 2026, while deposits grew 13.6%.
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.