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 69th largest bank in the state of Virginia. It is also the 4,752nd largest bank in the nation. It was established in 1915 and as of June of 2020, it had grown to 11 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 low asset base.

Health Grade Components

FDIC Certificate #8672
Year Established1915
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD6.23%
Annual Interest Income$914.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$46.8MM$43.7MM
LoansQ2 2020vs Q2 2019$28.3MM$27.9MM
DepositsQ2 2020vs Q2 2019$41.5MM$38.5MM
Equity CapitalQ2 2020vs Q2 2019$5.1MM$5.0MM
Loan Loss AllowanceQ2 2020vs Q2 2019$545.00K$472.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$1.0MM$1.2MM
Real Estate OwnedQ2 2020vs Q2 2019$123.00K$324.00K
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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
0.15%$1-Christmas Club Account
0.05%$50-Savings Account

The Blue Grass Valley Bank Money Market Rates

0.30%*$125k*-Money Market Account
OTHER TIERS: 0.05% $500 - $2.5k | 0.10% $2.5k - $10k | 0.15% $10k - $50k | 0.20% $50k - $125k

The Blue Grass Valley Bank Checking Account Rates

0.15%*$15k*-Investor's Checking Account
OTHER TIERS: 0.05% $1k - $7.5k | 0.10% $7.5k - $15k

The Blue Grass Valley Bank CD Rates

0.55%$500-60 Month CD
0.45%$500-36 Month CD
0.35%$1k-30 Month CD
0.30%$1k-24 Month CD
0.25%$1k-18 Month CD
0.20%$1k-12 Month CD
0.15%$2.5k-182 Day CD

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

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