Side-by-side · Q2 2026 data
Blue Grass Savings Bank vs First Central State Bank
Metric by metric
| Measure | Blue Grass Savings Bank | First Central State Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 83 |
| Capital cushion | 93 (stronger) | 84 |
| Loan quality | 89 | 93 (stronger) |
| Earnings | 72 | 77 (stronger) |
| Funding & liquidity | 98 (stronger) | 65 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 94th | 84th |
| Total assets | $225.5M | $772.4M |
| Deposits / shares | $185.6M | $595.4M |
| Capital ratio | 14.30% (stronger) | 13.39% |
| Problem loans | 0.34% | 0.21% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.31% | 1.43% (stronger) |
| Loans ÷ deposits | 61.8% (stronger) | 82.4% |
| Uninsured deposits | 12.6% (stronger) | 26.7% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 9.1% |
Blue Grass Savings Bank has the higher TellerScore (89 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Blue Grass Savings Bank leads on 5 and First Central State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.