Bank of the Bluegrass and Trust Company

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.bankofthebluegrass.com

859-233-4500

101 East High Street
Lexington, KY 40507

Bank of the Bluegrass and Trust Company is headquartered in LEXINGTON and is the 51^st largest bank in the state of Kentucky. It is also the 2,126^th largest bank in the nation. It was established in 1972 and as of March of 2025, it had grown to 62 employees at 4 locations. Bank of the Bluegrass and Trust Company has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	21161
Year Established	1972
Employees	62
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.63%
Return on Equity - YTD	20.07%
Annual Interest Income	$4.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$386.5MM$360.5MM
Loans	Q1 2025vs Q1 2024	$292.4MM$270.4MM
Deposits	Q1 2025vs Q1 2024	$335.2MM$305.6MM
Equity Capital	Q1 2025vs Q1 2024	$31.4MM$28.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5MM$5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$94K$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Checking

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bank of the Bluegrass and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%^*	$50k^*	-	Kasasa Saver
OTHER TIERS: 0.50% → $0 - $50k

Bank of the Bluegrass and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%^*	$0	$15k	Kasasa Cash
OTHER TIERS: 0.15% → $15k+

Locations

Bank of the Bluegrass and Trust Company Locations
Bank Of The Bluegrass and Trust Company	101 E High St	Lexington, KY 40507
Southland Branch	215 Southland Drive	Lexington, KY 40503
Romany Road Branch	361 Romany Road	Lexington, KY 40502

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