TellerScore

Blue Grass Federal Savings and Loan Association (FDIC certificate #31090) is based in Paris, Kentucky. Its Q2 2026 call report shows $58.5M in total assets and $40.6M in deposits and 1 office.

Blue Grass Federal Savings and Loan Association has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 546 banks with under $100 million in assets. Among 120 banks headquartered in Kentucky, it ranks 29th. Capital cushion contributes the most (100/100, 15.91%); earnings contributes the least (32/100, 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.91%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 110.0% · 10.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 79).

TellerScore
787980Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202478
Q4 202478
Q1 202579
Q2 202579
Q3 202579
Q4 202580
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%11.15%17.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.30%
Q3 202417.15%
Q4 202417.02%
Q1 202516.84%
Q2 202516.92%
Q3 202516.56%
Q4 202516.12%
Q1 202615.87%
Q2 202615.91%
Noncurrent loans
0.00%0.00%0.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.17%0.23%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.17%
Q4 20240.20%
Q1 20250.25%
Q2 20250.24%
Q3 20250.24%
Q4 20250.24%
Q1 20260.26%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$58.5M15.91%0.00%0.29%110.0%
Q1 202679$57.8M15.87%0.00%0.26%104.8%
Q4 202580$57.5M16.12%0.00%0.24%102.4%
Q3 202579$56.2M16.56%0.00%0.24%107.5%
Q2 202579$53.3M16.92%0.00%0.24%113.9%
Q1 202579$54.5M16.84%0.00%0.25%109.5%
Q4 202478$53.1M17.02%0.00%0.20%112.1%
Q3 202478$52.9M17.15%0.00%0.17%115.6%
Q2 202478$52.1M17.30%0.00%0.19%118.2%

546 peers · Under $100 million in assets

How it compares with peers

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

Capital ratio15.91%
74th
Total risk-based capital26.87%
84th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets0.29%
20th
Net interest margin2.83%
12th
Efficiency ratio82.9%
26th
Loans to deposits110.0%
4th
Uninsured deposits10.2%
75th
Loan-loss reserves0.94%
28th
Texas ratio0.0%
85th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Pinnacle Bank, Inc.Bank Pikeville, KY67 out of 100, Moderate$57.9M15.7%1.74%vs
Farmers & Traders Bank of CamptonBank Campton, KY74 out of 100, Strong$67.2M9.2%0.05%vs
Farmers State BankBank Booneville, KY69 out of 100, Moderate$69.3M10.7%1.07%vs
Clinton BankBank Clinton, KY69 out of 100, Moderate$70.4M16.8%1.77%vs
Security Bank and Trust Co.Bank Maysville, KY83 out of 100, Strong$71.8M15.7%1.86%vs
Cornerstone Community BankBank Owensboro, KY74 out of 100, Strong$44.5M277.2%0.00%vs

Deposit insurance

Is my money safe at Blue Grass Federal Savings and Loan Association?

Yes. Blue Grass Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #31090). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.2% of deposits ($4.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.87% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Blue Grass Federal Savings and Loan Association lists 1 office in 1 city. Most locations:

  • Paris, KY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Blue Grass Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
31090
RSSD ID
617079
Primary regulator
OCC
Holding company
First Mutual Holding Co
Established
January 1, 1914
Headquarters
600 High St, Paris, KY 40361
Employees
8

Quick answers

Blue Grass Federal Savings and Loan Association: common questions

Is Blue Grass Federal Savings and Loan Association FDIC insured?

Yes. Blue Grass Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #31090). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Blue Grass Federal Savings and Loan Association's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Blue Grass Federal Savings and Loan Association ever failed?

There is no failure record for FDIC certificate #31090 in the FDIC failed bank list.

How many branches does Blue Grass Federal Savings and Loan Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Paris

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs