The Blue Grass Valley Bank: how it compares with its peers
Against 642 U.S. banks with half to twice its assets, The Blue Grass Valley Bank's strongest measure in Q2 2026 is assets per employee ($6.0M vs. a $6.2M peer median). Its weakest relative measure is return on assets (0.54% vs. 1.05%).
| Measure | The Blue Grass Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.54% | 1.05% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 3.88% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.53% | 69.14% | Bottom third Ahead of 28% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.2M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.06% | 69.21% | Context |
What it means for lending operations
Its efficiency ratio of 79.53% is above the 69.14% 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
- The Waterford Commercial and Savings Bank Waterford, OH · $60M
- GN Bank Chicago, IL · $60M
- The Peoples Bank Gambier, OH · $60M
- Commerce Bank Texas Stockdale, TX · $61M
- Vergas State Bank Vergas, MN · $61M
- The Farmers State Bank of Bucklin, Kansas Bucklin, KS · $61M
Questions about The Blue Grass Valley Bank
How big is The Blue Grass Valley Bank?
The Blue Grass Valley Bank, established in 1915, is headquartered in Blue Grass, VA. It reported $60M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Blue Grass Valley Bank's return on assets?
0.54% annualized in Q2 2026, against a 1.05% median for 642 U.S. banks with half to twice its assets, ahead of 24% of them.
What is The Blue Grass Valley Bank's efficiency ratio?
79.53% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 69.14%, and lower is better.
Is The Blue Grass Valley Bank growing its loans?
Net loans shrank 5.5% over the year to Q2 2026, while deposits grew 6.5%.
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 U.S. 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 Virginia bank ranked.