# BLUE GRASS SAVINGS BANK
BLUE GRASS, IA · FDIC certificate 13753 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $225.5M | |
| Deposits | $185.6M | |
| Loans and leases | $117.2M | |
| Total equity | $30.1M | |
| Loans / deposits | 61.77% (p32 of band) | 73.59% |
| Liquid assets / assets | 42.96% (p68 of band) | |
| Uninsured deposits / deposits | 12.59% (p22 of band) | 19.81% |
| Brokered deposits | 2.31% | |
| Wholesale funding | 5.64% (p74 of band) | |
| FHLB advances / assets | 3.33% | |
| Tier 1 leverage | 14.30% (p73 of band) | 11.76% |
| Unrealized securities loss / equity | -9.45% (p41 of band) | -6.57% |
| AOCI / equity | -1.27% (p22 of band) | |
| ROA (annualized) | 1.31% (p58 of band) | 1.17% |
| Net interest margin | 3.46% (p27 of band) | 3.93% |
| Efficiency ratio | 46.44% (p9 of band) | |
| Noncurrent loans | 0.34% (p49 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 654.57% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 15.87% (p47 of band) | |
| Auto loans | $670,000 (0.57% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | uninsured deposits leaving |  |
| 2013-12 | 2 |  | uninsured deposits leaving |
| 2014-03 | 2 | charge-offs p90 | NIM <2.5% |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 2 | charge-offs p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 | NIM <2.5% | capital falling |
| 2017-06 | 0 |  | NIM <2.5% |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 | charge-offs p90 | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | capital falling | securities losses >30% of equity |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | NIM <2.5% |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | uninsured deposits leaving |  |
| 2026-06 | 0 |  | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-23 [Edwin C. Geest Obituary Sep 23, 2025 - McGinnis-Chambers Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBDMm42czFJSElqWGpQbENLTExVcTcwMkhxdGpWQVI0cW9NbW03Y2NSWkp2UkVpUS02OUJpNlp1QWFaN0RVY1piYnp4LUVFS2ZZQWpFSmctX3RySmhTUzI0VDBrN1J1Vkk?oc=5) · McGinnis-Chambers Funeral Home
- 2023-12-05 [Thomas Gerald Pociecha, Jr. Obituary Dec 5, 2023 - hmdfuneralhome.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBxc08ycHBFRUJPM3JMY3g1b0d5cDgzNXlhd2FUdUlyeHU0OExBdEliSFdGWjFDeXRYUldnS3V4SE9kQ0pTWHRQLWhBRmlIQ3hYN0Q5VWw4aHhoSjdsZkNJWnBUMjdsRDBtWm9BWg?oc=5) · hmdfuneralhome.com
- 2017-12-28 [Blue Grass fire victims named - thegazette.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxQRTE2SW1fVk03Szk5QjJENFJnSmJpN1IwdHpCVUtCcXNzaFV6dXpJWkJJZkE4TktPMTFtcXdOWGdxNU1GZTRPX05pcjBBTXY0c2FudzFFV1dzN2k0cWNtZVpwSmZWLWt4RFRncURVWVZ1RDVOWFk0MEZCZTE2T255V3hta0ljRHBoN3NSNVFHT2R6Q2lOOHA5dm5VNDEyOHFzU09MX0VJc1Y2eV92ZzMzVg?oc=5) · thegazette.com
- 2025-09-23 [Blue Grass to host fall citywide garage sale September 26-27 - OurQuadCities](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNbEtlc19uS1U5VXlBekROQ3NXaXJvSDhXczJTZjhFTllPUG9OU2RjMDI2VkJQS0V1LVpSZE50dXV5d09hTGJKZHhFc0w5Y2Y2R0RfeGRtTGRyRnI3QVg2b2tDQV9mZERXTVl1Q0R6NFBGRUp5OEVBX01vUTBXZTNINkoxdENIUnU3WkFYVXljMmNkb3RCMUVYWkZNQ2xPWm9aUE9wTGlyV0Iwa3PSAbABQVVfeXFMTm5JYU52Qjd6TVF0S1NCZmZxa0wzcUF1VkpLczQ3bS1fbVZXN0xtbmxTQl9qWDRMeldQak84SUY4dWc2WFpGYklQdTAwUm5UMmhnQXJ6X1JMUzZXVlZIVTc4RTB2cnJkVXN4amdGRjFMdmxfTjk1YUdNQVBLaHpfUVpaVGd0dDJ4VG82ZURpZ09FdXhjVVM0aUxlcGw5NThTcDFOVDkwQnlPU2RQcnNhazQ?oc=5) · OurQuadCities
- 2022-05-06 [Man charged with vandalizing multiple Davenport businesses - KWQC](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZldpZHZRRG5jaUJfdUpvb2NfdFJ5ZkVHX29KWE04VXZpV3FFd2ZzSXJNMnA1X1Vhc2JTaEtjSDZqSU84UUVzMGQ3alpveG5iUTI4SzdHeFlHQW9xcTBJNDRUTF93X3FOMkt1OGFzbHVhNXFXMDAzMGVuYm9XZGV2UHk2TnkzMDFzQnhySHF3QzVMVTR3cXfSAaoBQVVfeXFMTXJuRlg1WUdlVUREd2pzNU1UdFRDNGs0M0hFY2hOZF9wVGp3cHNKMy0yeGZlS3ZtdjhodnAzNDVuQlBidlpuSUpYZDNIaWhjWmhkaTFkS1BwcHZrakEya1UxenlQVEl3cm1jOVFsZmRhaFpqVndMZjgtS1pXM2JnZHpuUllsWjNzb1YwUlRqZ2I5U3ZVeEt5SDh4aGV2bGRZN0FBMm1OelMxUFE?oc=5) · KWQC
- 2011-06-05 [Blue Grass Days parade - The Quad-City Times](https://news.google.com/rss/articles/CBMifEFVX3lxTE5BeGxHajd1YksxaXg4blNFVV95X3N6WjRGdHctUmNsdEtmQl9KZXVZb0lMV3cxZDh1cHRBUzZyR0dvamtfZk9MOWJYNTIzMVFWck5VSVV3cUVNRlQxNTFySVR2UFUwdGltSUJjWXBrQnBxNkc5ZDNfSnlzbF8?oc=5) · The Quad-City Times
- 2025-08-19 [1985: First Iowa Lottery tickets go on sale - North Scott Press](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZXJMUEpCekRZTUZmbDRPdlNuSHQta1JEME5OU3g2ZEttcS1neFVCemI1WFB2RVZHcG9LekZwVDhvdGhEbjJBUDMxakNBUGFCNW1td2FMeW9CQzJyWDZaa0JtN3VFUnJ1d1U2clo1Mm84X29MSDVoY3ZIb3dpOThTTVVHMmdfZG1ualVCeEpwV0NteEU?oc=5) · North Scott Press
- 2020-12-21 [William Puck Obituary (1932 - 2020) - Davenport, IA - Quad-City Times - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxPaUtDa2xqemdMdVo4VGxJWmJwMk1La19zaEt4ZjJKOHBjZXRZSUNXbWNGUUdNZUtBZjhZV19LQlBkbGstTXowS3lxSW1Hem8zMFVBY1F2V3dKd1BsWm5Lbi0zWVNGSUx5cEFYYW1JdkpPc2Q2SWw3a0JCT2lYdUpyYXZ3c1FxV0EwRFE?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13753 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "13753", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide