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

The Blue Grass Valley Bank is headquartered in Blue Grass and is the 72nd largest bank in the state of Virginia. It is also the 5,078th largest bank in the nation. It was established in 1915 and as of September of 2018, it had grown to 11 employees at 2 locations. The Blue Grass Valley Bank's money market rates are 2X the national average, and it has a C+ 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 - YTD0.84%
Return on Equity - YTD7.95%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$45.1MM$43.3MM
LoansQ3 2018vs Q3 2017$28.0MM$28.2MM
DepositsQ3 2018vs Q3 2017$40.1MM$38.4MM
Equity CapitalQ3 2018vs Q3 2017$4.9MM$4.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$546.00K$548.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.5MM$1.7MM
Real Estate OwnedQ3 2018vs Q3 2017$269.00K$354.00K
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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

1.15%$100-Individual Retirement Account
0.50%$1-Christmas Club Account
0.15%$50-Savings Account

The Blue Grass Valley Bank Money Market Rates

0.95%*$125k*-Money Market Account
OTHER TIERS: 0.15% $500 - $2.5k | 0.30% $2.5k - $10k | 0.40% $10k - $50k | 0.65% $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

2.21%$500-60 Month CD
1.45%$500-36 Month CD
1.35%$1k-30 Month CD
1.30%$1k-24 Month CD
1.10%$1k-18 Month CD
1.05%$1k-12 Month CD
0.75%$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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