Bank · FDIC insured
Bank of the Bluegrass
A $407M bank headquartered in Lexington, KY, with 4 branches in Kentucky.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings630.01%3.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bank of the Bluegrass
Bank of the Bluegrass & Trust Co. is a locally owned, family grown bank based in Lexington, Kentucky.
- Headquarters
- 101 E High St, Lexington, KY 40507
- FDIC certificate
- 21161 ↗
Branches
4 branches in Kentucky
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Kentucky
4 branches
- Bank of the Bluegrass and Trust CompanyMain office101 E High St, Lexington, KY 40507Directions
- Palomar Springs Branch3948 Fountainblue Ln, Lexington, KY 40513Directions
- Romany Road Branch361 Romany Rd, Lexington, KY 40502Directions
- Southland Branch215 Southland Dr, Lexington, KY 40503Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.80% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.03% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.35% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $89 | $81 | — |
- CapitalLeverage ratio10.80%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.03%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.35%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$89Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bank of the Bluegrass are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.