The Blue Grass Valley Bank

Overview / Commentary
2583 Blue Grass Valley Road
Blue Grass, VA 24413

The Blue Grass Valley Bank is headquartered in Blue Grass and is the 63rd largest bank in the state of Virginia. It is also the 4,451st largest bank in the nation. It was established in 1915 and as of June of 2022, it had grown to 12 employees at 2 locations. The Blue Grass Valley Bank has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Blue Grass Valley Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #8672
Year Established1915
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD4.8%
Annual Interest Income$866.00K
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$56.0MM$54.6MM
LoansQ2 2022vs Q2 2021$31.0MM$27.6MM
DepositsQ2 2022vs Q2 2021$49.4MM$49.1MM
Equity CapitalQ2 2022vs Q2 2021$5.5MM$5.3MM
Loan Loss AllowanceQ2 2022vs Q2 2021$542.00K$547.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$259.00K$262.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Blue Grass Valley Bank Savings Account Rates

0.65%$100-Individual Retirement Account
0.10%--Christmas Club Account
0.05%$50-Savings Account

The Blue Grass Valley Bank Money Market Rates

0.19%*$125k*-Money Market Account
OTHER TIERS: 0.05% $500 - $2.5k | 0.08% $2.5k - $10k | 0.10% $10k - $50k | 0.14% $50k - $125k

The Blue Grass Valley Bank Checking Account Rates

0.11%*$15k*-Investor's Checking Account
OTHER TIERS: 0.05% $1k - $7.5k | 0.08% $7.5k - $15k

The Blue Grass Valley Bank CD Rates

2.52%$25k-14 Month CD Special
1.51%$500-60 Month CD
1.25%$500-36 Month CD
1.15%$1k-30 Month CD
1.00%$1k-24 Month CD
0.86%$1k-18 Month CD
0.82%$1k-12 Month CD
0.78%$2.5k-182 Day CD

The Blue Grass Valley Bank IRA Rates

1.51%$500-60 Month IRA
1.25%$500-36 Month IRA
1.15%$1k-30 Month IRA
1.00%$1k-24 Month IRA
0.86%$1k-18 Month IRA
0.82%$1k-12 Month IRA
0.78%$2.5k-182 Day IRA

The Blue Grass Valley Bank Locations
The Blue Grass Valley Bank2583 Blue Grass Valley RdBlue Grass, VA 24413
Monterey BranchEast Main StreetMonterey, VA 24465

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