Side-by-side · Q2 2026 data
The Blue Grass Valley Bank vs First-Citizens Bank & Trust Company
Metric by metric
| Measure | The Blue Grass Valley Bank | First-Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 61 (stronger) | 58 |
| Capital cushion | 50 (stronger) | 47 |
| Loan quality | 60 | 63 (stronger) |
| Earnings | 41 | 61 (stronger) |
| Funding & liquidity | 96 (stronger) | 49 |
| Problem-loan coverage | 87 (stronger) | 85 |
| Peer percentile | 19th | 21st |
| Total assets | $59.9M | $236.3B |
| Deposits / shares | $53.6M | $174.0B |
| Capital ratio | 9.97% (stronger) | 9.75% |
| Problem loans | 1.20% | 1.12% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.29% |
| Return on assets | 0.54% | 1.03% (stronger) |
| Loans ÷ deposits | 64.1% (stronger) | 86.0% |
| Uninsured deposits | 5.9% (stronger) | 37.4% |
| Offices | 2 | 510 |
| CFPB complaints (3 yrs) | — | 632 |
| Complaints per $1B deposits | — | 3.6 |
| Mortgage denial rate (HMDA) | — | 22.5% |
The Blue Grass Valley Bank has the higher TellerScore (61 vs 58). On the 7 directional measures above (where higher or lower is clearly better), The Blue Grass Valley Bank leads on 5 and First-Citizens Bank & Trust Company on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.