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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Paris, KY · FDIC certificate #31090
BLUE GRASS FS&LA is an FDIC-insured institution based in Paris, KY (FDIC certificate #31090). In its Q3 2026 Call Report it reported total assets of $62M, total deposits of $44M and net loans of $46M. Its primary federal regulator is OCC.
Plain-language readout
BLUE GRASS FS&LA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $62M in Q3 2026 and were lowest at $58M in Q1 2026.
Total deposits were highest at $44M in Q3 2026 and lowest at $40M in Q1 2026.
Over the whole period total assets rose 6.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $62M | $44M | $46M | 0.30% | 1.90% | 2.82% |
| Q2 2026 | $59M | $41M | $45M | 0.29% | 1.81% | 2.83% |
| Q1 2026 | $58M | $40M | $42M | 0.26% | 1.64% | 2.75% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.5M | $8.3M | -$1.8M | -22.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $4.0M | $4.2M | -$203K | -4.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $44.6M | $41.9M | +$2.7M | +6.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.4M | $1.4M | -$20K | -1.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $394K | $396K | -$2K | -0.5% |
| All other assets | $1.7M | $1.6M | +$34K | +2.1% |
| Total assets | $58.5M | $57.8M | +$697K | +1.2% |
| Liabilities | ||||
| Total deposits | $40.6M | $40.0M | +$601K | +1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $8.0M | $8.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $590K | $576K | +$14K | +2.4% |
| Total liabilities | $49.1M | $48.5M | +$615K | +1.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $9.3M | $9.3M | $0K | 0.0% |
| Retained earnings | $288K | $242K | +$46K | +19.0% |
| Accumulated other comprehensive income | -$215K | -$251K | +$36K | +14.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $9.4M | $9.3M | +$82K | +0.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $9.4M | $9.3M | +$104K | +1.1% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 25.63% | 26.01% | -0.38 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 25.63% | 26.01% | -0.38 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 26.87% | 27.26% | -0.38 pts | See points |
| Tier 1 leverage (approximate) | 15.91% | 15.87% | +0.04 pts | See points |
| Construction and land loans to total capital | 28.44% | 34.44% | -6.00 pts | See points |
| Commercial real estate to total capital | 53.09% | 59.94% | -6.85 pts | See points |
| Dividend payout, year to date | 15.48% | 34.21% | -18.73 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.62% | -3.56% | -0.07 pts | See points |
| Liquidity | ||||
| Core deposits | $34.1M | $34.5M | -$374K | -1.1% |
| Non-core funding | $14.4M | $13.5M | +$975K | +7.2% |
| Loans to core deposits | 131.93% | 122.52% | +9.41 pts | See points |
| Loans to deposits | 111.03% | 105.81% | +5.22 pts | See points |
| Brokered deposits share of deposits | 2.35% | 0.00% | +2.35 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 62.83% | 60.31% | +2.52 pts | See points |
| Volatile liabilities | $14.4M | $13.5M | +$975K | +7.2% |
| Earnings | ||||
| Earnings before provision, year to date | $139K | $62K | +$77K | +124.2% |
| Earnings before provision, single quarter | $77K | $62K | +$15K | +24.2% |
| Provision for credit losses, year to date | $35K | $15K | +$20K | +133.3% |
| Yield and cost | ||||
| Yield on loans and leases | 5.79% | 5.60% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 3.68% | 3.34% | +0.34 pts | See points |
| Total interest income to average assets | 5.02% | 4.76% | +0.26 pts | See points |
| Cost of interest-bearing transaction accounts | 0.25% | 0.00% | +0.25 pts | See points |
| Cost of savings and money market deposits | 1.62% | 1.35% | +0.28 pts | See points |
| Cost of time deposits | 3.70% | 3.63% | +0.07 pts | See points |
| Total interest expense to average assets | 2.32% | 2.21% | +0.10 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $62M | $44M | $46M | 0.30% | 1.90% | 2.82% |
| 2026-06-30 | $59M | $41M | $45M | 0.29% | 1.81% | 2.83% |
| 2026-03-31 | $58M | $40M | $42M | 0.26% | 1.64% | 2.75% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $35.7M | 0.03% | 144 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.