# BLUE GRASS VALLEY BANK
BLUE GRASS, VA · FDIC certificate 8672 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $59.9M | |
| Deposits | $53.6M | |
| Loans and leases | $34.8M | |
| Total equity | $6.1M | |
| Loans / deposits | 64.06% (p36 of band) | 73.59% |
| Liquid assets / assets | 41.08% (p65 of band) | |
| Uninsured deposits / deposits | 5.94% (p5 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.97% (p24 of band) | 11.76% |
| Unrealized securities loss / equity | -6.40% (p51 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.54% (p19 of band) | 1.17% |
| Net interest margin | 3.35% (p23 of band) | 3.93% |
| Efficiency ratio | 79.53% (p78 of band) | |
| Noncurrent loans | 1.20% (p74 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 108.17% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 5.69% (p31 of band) | |
| Auto loans | $1.3M (3.69% of loans; DQ 1.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | noncurrent p90 | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | noncurrent p90 |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 | noncurrent p90 | capital falling |
| 2014-06 | 3 | uninsured deposits leaving |  |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 3 | uninsured deposits leaving |  |
| 2015-03 | 2 |  | uninsured deposits leaving |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | uninsured deposits leaving |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | capital falling | uninsured deposits leaving |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 4 |  | deposits shrinking, assets shrinking |
| 2019-12 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2020-03 | 2 | reserve under noncurrent | charge-offs p90 |
| 2020-06 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 0 |  | reserve under noncurrent, noncurrent p90, capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | uninsured deposits leaving |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 1 | uninsured deposits leaving |  |

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

- 2007-06-21 [Man pleads guilty to bank robbery - The Recorder Online](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUlpyb0M2d2F6eE9IYm1tSWNYQXVuSzduNkFpbkFCUFBOdDE3WTJfNUZKVmtOUy1tWlppM3pMSjBiT0dyUzd0MDhLa083OE5XVGlia1pNZ2NVUmtfRFRyTndZNU92aDNTRGdodGhpbkhfajdnMS1VSUFmZ0hraWhtZWlrQQ?oc=5) · The Recorder Online
- 2026-08-22 [Haley Renee Warner Obituary (2026) - Lillian, VA - Obaugh Funeral Home, Inc. - McDowell - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQZ3BVRVJOUTFvUzk3WkxtSURCcHFTU2ZOTXFxVlZZQTkwNGxIbmtEWjRJXzRUbl9ZdTdOY3ZsUFVSc3NkcVhJMWxiaUVXVVN3TDYwWnRjWGxNZXN4UFdHSzhTQ2xZUkQwNXZhRUxQV1VWYld3ZXBHd3REdnJINkdySg?oc=5) · legacy.com
- 2017-01-19 [Blue Grass Mercantile carries on retail tradition - The Recorder Online](https://news.google.com/rss/articles/CBMimAFBVV95cUxQbjlTYjlzamRlS2dadlBEZ0VPa3loLVNJUjl4enktWTNhNVhqdl96UUJ1dHVaTEtjOFJfX2VQZzlaRWljc2RNYnVfMV9ESUh3NjkydTlOZVhmVF9HNGd2UzhMdklTeG9rWXRWMEU1d3QzTGdjVnR0ZUNncXpkMjNmZEZFcUxoUlc3RDFpRGs1cVcyMjh4VVJnRg?oc=5) · The Recorder Online
- 1986-04-25 [Obituary information for James Nickolas "Nick" Mason - Jim Rush Funeral and Cremation Services](https://news.google.com/rss/articles/CBMijwFBVV95cUxPRzVEX0JwM01PTlNLNmJoU1ZXX3BaX3hVZDYzQktmLU5WOE1IU2o0by1TSE9ERWlqQXRWOXc2dmJiNUlaVVExTHppZm9fbU5nZWdhSWVwcXlZdGlVYnhHemhyZ2hoRkp6bE1aUHI5RjN5SkdLejdzbV9pV2RYLWJGb0RiYzZfc1RJWGo5cm02Zw?oc=5) · Jim Rush Funeral and Cremation Services
- 2026-07-04 [Sean Patrick Joseph Arnott Obituary (2026) - McDowell, VA - Obaugh Funeral Home, Inc. - McDowell - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9nd0h4TFZRWUVGR0FJVWtCY1Q2YjN1cW80UEh4VEFublE4cFIzbkd1NmRqSWdwbmtrc3drVlFnZlZ5U3dHd3NQN3I3MEY5YjdmM0hPUXRsYWhsVGJmM3I1eXdaMjdiT3UzZl9DSVhuTkk3OTFGcDZ4TXFDbHZnVms?oc=5) · legacy.com
- 2026-08-10 [Larry Daniel "Breeze" Smith Obituary (2026) - Monterey, VA - Obaugh Funeral Home, Inc. - McDowell - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFA1dHIySGFrMTFmdFJ6Z3dpNkdrQ055a3ZyMlViZExvWHJsR3hsc3BtUzRkVElpQThzaHlkV1JfUlJvbEZYVTU3RkktN3YzQmhZSDNiNmxEekJwanp3cmxiY0pOTkkzOGZKYm9IZkFPTU9EbnloWEx1VFFsTmgxSzg?oc=5) · legacy.com
- 2012-03-01 [Tabitha Hiner crowned 2012 Maple Queen - The Recorder Online](https://news.google.com/rss/articles/CBMiigFBVV95cUxPNjFYUFdITGNQWmFEek5lQlFEaTB3cUZWdkJzekJtUlFDTXV1dUhuY19LbFR0VWdDazZZM2VUWk05SVVxbXJSWGtSNEVJMlcteXY1dU4zMjdkSVduR21SaUVYcDF4bEE0Qmt6aC00LUFhZVBGdjV4Q0ZKaFJ0N0ViM3ZsUEo3SnZhVWc?oc=5) · The Recorder Online
- 2025-10-31 [Amy Nichole (Hull) Vaus Obituary (2025) - McDowell, VA - Obaugh Funeral Home, Inc. - McDowell - legacy.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFA4eW15UUJsSXFpdk9SY1V4RHJlOWtWMEh3R0JYcjg2NVpDRS1KRm52d1NZajBmdWthaG94ZTI0MVlpaW9CTDJOUnBTUm02QXZmMmxXQ1UtcXdFZUVGUTNIazk1T0V1NE9fT3VsaHk4MEZqcDgwblRRNXgzRQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8672 (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/32.json (key "8672", 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