Bank of the Bluegrass and Trust Company
Lexington, KY
IDRSSD: 1006513
Total Assets
$405.56M
Latest filing
Total Deposits
$356.43M
Latest filing
Net Interest Margin
3.46%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of the Bluegrass and Trust Company
101 E High St
Lexington, KY 40507
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/10/1972FDIC Certificate 14629
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of the Bluegrass and Trust Company (Main) | 101 E High St | Lexington, KY |
| SOUTHLAND BRANCH | 215 Southland Dr | Lexington, KY |
| MESSENGER SERVICE | 101 E High St | Lexington, KY |
| ROMANY ROAD BRANCH | 361 Romany Rd | Lexington, KY |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/10/1972 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40507 |
| State and County Number | 21067 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Lexington-Fayette, KY |
Operational Info
| Number of Employees | 61 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/16/1973 |
| Primary Insurance Agency | DIF |
| Website | www.bankofthebluegrass.com |
| Data Updated | 11/14/2025 |
| CERT | 21161 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $405.56M |
| Total Deposits | $356.43M |
| Total Liabilities | $371.44M |
| Total Equity Capital | $34.12M |
| Net Income | $1.13M |
| Net Loans and Leases | $292.44M |
| Assets Per Employee ($Millions) | $6.44M |
| Bank Premises and Fixed Assets | $1.23M |
| Cash and Balances due from Depository Institutions | $23.62M |
| Deposits Held in Domestic Offices | $356.43M |
Key Performance Ratios
| Return on Assets (ROA) | 1.12% |
| Return on Equity (ROE) | 13.37% |
| Net Interest Margin | 3.46% |
| Efficiency Ratio | 62.79% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.413% |
| Earning Assets to total Assets | 95.73% |
Income and Expense
| Total Interest Income | $5.33M |
| Total Noninterest Income | $1.30M |
| Total Interest Expense | $1.99M |
| Total Noninterest Expense | $2.91M |
| Net Interest Income | $3.34M |
| Pre-tax Net Operating Income | $1.50M |
| Provision for Credit Losses | $225.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $8.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.02M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.01M |
| Total Liabilities and Capital | $405.56M |
Securities
| Securities | $66.24M |
| Available-for-sale debt securities | $66.24M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of the Bluegrass and Trust Company?
$405.56M as of the latest filing.
How much are Bank of the Bluegrass and Trust Company's total deposits?
$356.43M in total deposits.
Where is Bank of the Bluegrass and Trust Company located?
Lexington, KY.
What is the Net Interest Margin?
3.46%.
How many domestic offices does it operate?
4.
When was it established?
04/10/1972.
What is the Return on Assets (ROA)?
1.12%.
How much are total loans and leases?
$292.44M (latest filing).
What is the total interest income (latest filing)?
$5.33M.