TellerScore

Headquartered in Blue Grass, Virginia, The Blue Grass Valley Bank is a state-chartered bank with $59.9M in total assets and $53.6M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1915.

The Blue Grass Valley Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 546 banks with under $100 million in assets. Among 56 banks headquartered in Virginia, it ranks 46th. Funding & liquidity contributes the most (96/100, 64% loans-to-deposits, 6% uninsured); earnings contributes the least (41/100, 0.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.97%
Loan quality60/100
Noncurrent loans ÷ total loans: 1.20%
Earnings41/100
Return on assets (annualized): 0.54%
Funding & liquidity96/100
Loans ÷ deposits and uninsured-deposit share: 64.1% · 5.9% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.35%

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

From Q2 2025 to Q2 2026, the score fell 5 points (66 → 61), mostly because the loan quality component weakened by 22 points.

TellerScore
606569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202468
Q1 202569
Q2 202566
Q3 202567
Q4 202567
Q1 202660
Q2 202661
Tier 1 leverage ratio
5.00%7.61%10.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.00%
Q3 202410.23%
Q4 202410.02%
Q1 202510.07%
Q2 202510.22%
Q3 202510.22%
Q4 20259.56%
Q1 20269.68%
Q2 20269.97%
Noncurrent loans
0.16%0.68%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.19%
Q4 20240.24%
Q1 20250.16%
Q2 20250.55%
Q3 20250.64%
Q4 20250.48%
Q1 20261.17%
Q2 20261.20%
Return on assets
0.10%0.32%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.10%
Q3 20240.18%
Q4 20240.24%
Q1 20250.33%
Q2 20250.46%
Q3 20250.52%
Q4 20250.45%
Q1 20260.43%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$59.9M9.97%1.20%0.54%64.1%
Q1 202660$62.0M9.68%1.17%0.43%62.3%
Q4 202567$62.9M9.56%0.48%0.45%61.4%
Q3 202567$59.5M10.22%0.64%0.52%67.3%
Q2 202566$58.9M10.22%0.55%0.46%72.1%
Q1 202569$57.8M10.07%0.16%0.33%68.3%
Q4 202468$58.0M10.02%0.24%0.24%66.6%
Q3 202468$57.0M10.23%0.19%0.18%68.3%
Q2 202467$56.5M10.00%0.19%0.10%69.7%

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 ratio9.97%
18th
Total risk-based capital0.00%
27th
Problem loans1.20%
31st
Net charge-offs-0.01%
85th
Return on assets0.54%
28th
Net interest margin3.35%
25th
Efficiency ratio79.5%
32nd
Loans to deposits64.1%
52nd
Uninsured deposits5.9%
90th
Loan-loss reserves1.29%
57th
Texas ratio6.4%
29th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Martinsville First Savings BankBank Martinsville, VA80 out of 100, Strong$32.1M20.5%0.65%vs
Farmers & Merchants Bank of Craig CountyBank New Castle, VA92 out of 100, Very strong$93.0M16.9%0.00%vs
Miners Exchange BankBank Coeburn, VA42 out of 100, Below average$93.5M12.4%3.16%vs

Deposit insurance

Is my money safe at The Blue Grass Valley Bank?

Yes. The Blue Grass Valley Bank is an FDIC-insured institution (FDIC certificate #8672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 5.9% of deposits ($3.2M) 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 9.97%, 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

2 locations

Branches

The Blue Grass Valley Bank lists 2 offices in 2 cities. Most locations:

  • Blue Grass, VA (1)
  • Monterey, VA (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Blue Grass Valley Bank
Type
State-chartered bank
FDIC certificate #
8672
RSSD ID
755421
Primary regulator
FDIC
Established
December 2, 1915
Headquarters
2583 Blue Grass Valley Rd, Blue Grass, VA 24413
Employees
10

Quick answers

The Blue Grass Valley Bank: common questions

Is The Blue Grass Valley Bank FDIC insured?

Yes. The Blue Grass Valley Bank is an FDIC-insured institution (FDIC certificate #8672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Blue Grass Valley Bank's TellerScore?

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

Has The Blue Grass Valley Bank ever failed?

There is no failure record for FDIC certificate #8672 in the FDIC failed bank list.

How many branches does The Blue Grass Valley Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Blue Grass

InstitutionScoreAssetsCapitalProblem loansCompare
Highlands BankBank Petersburg, WV69 out of 100, Moderate$407.1M11.0%0.91%vs
Burke & Herbert Bank & Trust CompanyBank Alexandria, VA65 out of 100, Moderate$11.0B12.3%1.19%vs
Pendleton Community Bank, Inc.Bank Franklin, WV61 out of 100, Moderate$849.7M8.7%0.85%vs
First-Citizens Bank & Trust CompanyBank Raleigh, NC58 out of 100, Moderate$236.3B9.7%1.12%vs