Side-by-side · Q2 2026 data
The First National Bank of Grayson vs Bank of the Bluegrass and Trust Company
Metric by metric
| Measure | The First National Bank of Grayson | Bank of the Bluegrass and Trust Company |
|---|---|---|
| TellerScore | 79 (stronger) | 75 |
| Capital cushion | 80 (stronger) | 58 |
| Loan quality | 68 | 99 (stronger) |
| Earnings | 93 (stronger) | 74 |
| Funding & liquidity | 73 (stronger) | 52 |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 75th | 61st |
| Total assets | $371.9M | $407.0M |
| Deposits / shares | $325.5M | $346.0M |
| Capital ratio | 12.98% (stronger) | 10.80% |
| Problem loans | 0.96% | 0.03% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.84% (stronger) | 1.35% |
| Loans ÷ deposits | 72.9% (stronger) | 87.7% |
| Uninsured deposits | 27.4% (stronger) | 33.7% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | 9.7% |
The First National Bank of Grayson has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Grayson leads on 5 and Bank of the Bluegrass and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.