Total Assets
$393M
Total balance-sheet footings
FDIC Cert #21161 · Lexington, Kentucky · Est. 1972
Bank of the Bluegrass and Trust Company - FDIC Bank Health Profile
A community-scale look at Bank of the Bluegrass and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $393M
- Total assets
- B
- Health grade · Good
- 1.33%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of the Bluegrass and Trust Company earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.46% Tier 1, profitable at 1.33% ROA, 63% efficiency ratio.
- #2,104
- largest of 4,313 FDIC banks by assets
- 51st
- percentile by asset size, nationally
- 10.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 65th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
FDIC Call Report plate
Cert 21161 · KY B · 76/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL
- GRADE-B B (76/100)
- MID-PACK #2469/4307
- PHOTO-FINISH The Hardin County Bank · TN
- TIER1-WELL 10.5% Tier 1
- TEXAS-CLEAN 0.3% Texas
- ROA-STRONG 1.33% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Kentucky: The Hardin County Bank, TN (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Bank of the Bluegrass and Trust Compa…
Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.
What Bank of the Bluegrass and Trust Compa…'s Call Report plate shows
Bank of the Bluegrass and Trust Company (FDIC Cert #21161) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,469 of 4,307. Tier 1 capital prints at 10.46%, clearing the 10% well-capitalized line. The Texas Ratio is 0.35%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.33%. Balance-sheet scale is $393M, 2,104th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Hardin County Bank (TN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Bank of the Bluegrass and Trust Compa…
3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)
Bank of the Bluegrass and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of the Bluegrass and Trust Company remains an active FDIC-insured reporter.
- LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
- FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
- IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.
How Bank of the Bluegrass and Trust Company's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (10.46%) 28/40
Return on Assets (ROA) (1.33%) 20/25
Texas Ratio (0.35%) 20/20
Efficiency Ratio (62.87%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$333M
Customer-funded liabilities
Net Loans
$304M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of the Bluegrass and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of the Bluegrass and Trust Company's score of 76/100 falls in the highlighted band.
Bank of the Bluegrass and Trust Company: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
76 43rd percentile higher than 43% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Bank of the Bluegrass and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of the Bluegrass and Trust Company's $393M falls in the highlighted band.
Safety ratios for Bank of the Bluegrass and Trust Compa…
Tier 1 capital ratio
Well-capitalized 10%
10.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.46%
Texas Ratio
0.35%
Equity Capital
$36M
Earnings posture at Bank of the Bluegrass and Trust Compa…
Return on Assets (ROA)
65th percentile nationally
1.33%
Return on Equity (ROE)
15.80%
Efficiency Ratio
62.87%
Income & expense at Bank of the Bluegrass and Trust Compa…
$21M
Interest Income
$5M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of the Bluegrass and Trust Company reports a Texas Ratio of 0.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($393M here), outside Kentucky so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of the Bluegrass and Trust Company (FDIC Cert #21161) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Bank of the Bluegrass and Trust Company Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |