The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Kentucky

Yes. Bank of the Bluegrass and Trust Company is an FDIC-insured institution (FDIC certificate #21161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.7% of deposits ($116.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Bank of the Bluegrass and Trust Company lists 4 offices in 1 city. Most locations:

• Lexington, KY (4)

All branch addresses and map

In 2025, Bank of the Bluegrass and Trust Company reported 120 home-loan applications under HMDA (LEI 549300FORCF9PNPUG275): 82 originated ($44,880,000 total), 9 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Bank of the Bluegrass and Trust Company

Former names

Bank of the Bluegrass

Type

State-chartered bank

FDIC certificate #

21161

RSSD ID

1006513

Primary regulator

FDIC

Holding company

Bluegrass Bancshares Inc

Established

April 10, 1972

Headquarters

101 E High St, Lexington, KY 40507

Website

www.bankofthebluegrass.com

Employees

63