Bluegrass Community Bank


113 Smoky Way
Danville, KY 40422
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Bluegrass Community Bank is an FDIC insured institution located in Danville, KY. It was founded in 2009 and has approximately $0.05 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 58848
Date Established 2009
Assets $ 52.06 million
Loans $ 28.73 million
Deposits $ 40.20 million
Capital $ 4.89 million

For a more detailed analysis of Bluegrass Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 22, 2021

Your Current Location: California, CA 92111


Loan Rates - September 22, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Bluegrass Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
2.637% 2.625%
0.13 points
$398 fees
$1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Bluegrass Community Bank
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Bluegrass Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Bluegrass Community Bank Locations

Financial Details

Bluegrass Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bluegrass Community Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bluegrass Community Bank U.S. Bank Average
15.3% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Bluegrass Community Bank had $627,000 in non-current loans and $243,000 in owned real estate. To cover these potential losses it had $4,892,000 in equity and $794,000 in loans loss reserves. That gives it a Texas Ratio of 15.3%.

Return on Equity
Bluegrass Community Bank U.S. Bank Average
-5.94% 11.43%

Bluegrass Community Bank has a Return on Equity of -5.94% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bluegrass Community Bank U.S. Bank Average
9.4% 11.51%

Bluegrass Community Bank has a Capitalization of 9.4% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bluegrass Community Bank Balance Sheet Analysis

As of June 30, 2018, Bluegrass Community Bank had assets of $48,986,000, loans of $28,726,000, and deposits of $40,201,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 1.27 million
Interest-bearing balances $ 0.16 million
Total securities $ 2.82 million
Federal funds sold and reverse repurchase $ 12.79 million
Net loans and leases $ 28.73 million
Loan loss allowance $ 0.79 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.24 million
Goodwill and other intangibles N.A.
All other assets $ 0.84 million
     Total Assets $ 44.09 million
Total deposits $ 40.20 million
      Interest-bearing deposits $ 35.04 million
      Deposits held in domestic offices $ 40.20 million
      % insured (estimated) 90.89%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 3.78 million
Subordinated debt N.A.
All other liabilities $ 0.11 million
      Total Liabilities $ 44.09 million
      Shareholders’ Equity $ 7.97 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 0.96 million
Total Interest Expense $ 0.20 million
Net interest income $ 0.76 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.09 million
Total non interest expense $ 1.55 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Bluegrass Community Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Kentucky, Bluegrass Community Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.78
Credit Card Loans 0.00
Consumer Auto Loans 1.13
Small Business Loans 26.04
Construction and Development Loans 0.59
Commercial Real Estate 26.04
Commercial and Industrial Loans 9.94
Farm Loans 2.60

Frequently Asked Questions About Bluegrass Community Bank

Branches and Savings

Is Bluegrass Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58848.

Why does Bluegrass Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bluegrass Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bluegrass Community Bank a commercial bank?


Where are Bluegrass Community Bank locations?

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Is Bluegrass Community Bank open on Saturdays?

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Are Bluegrass Community Bank ATMs Open 24/7?

Do Bluegrass Community Bank ATMs accept cash deposits?

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Will Bluegrass Community Bank notarize my document?

What address for Bluegrass Community Bank should I put for incoming ACH transfers?

Will the Bluegrass Community Bank branch print checks?

Do Bluegrass Community Bank checks expire?

Does Bluegrass Community Bank require US citizenship to open account?

Can Bluegrass Community Bank close my account?

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Does Bluegrass Community Bank Use Equifax?

What is Bluegrass Community Bank's ACH Routing Number?

What is Bluegrass Community Bank's SWIFT code?


Does Bluegrass Community Bank offer mortgages?

Compare mortgage rates here.

Does Bluegrass Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bluegrass Community Bank offer personal loans?

Compare personal loan rates here.

Does Bluegrass Community Bank offer student loans?

Will Bluegrass Community Bank cash a check?

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Background on The Bank

Who owns Bluegrass Community Bank?

How long has Bluegrass Community Bank been around?

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