Bank · FDIC insured
Blue Grass Valley Bank
A $59.9M bank headquartered in Blue Grass, VA, with 2 branches in Virginia. Best rates: CDs 3.65% and savings 0.70% APY.
Blue Grass Valley Bank Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#106 of 136 in VirginiaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Blue Grass Valley Bank
Established in 1915 as The Crabbottom Valley Bank, the institution was formed by community leaders to meet the financial needs of the surrounding area with individual attention and quality service.
The bank became The Blue Grass Valley Bank by charter amendment in 1945, relocated in Blue Grass in 1951, and opened its Monterey branch office in 2000.
With offices in Blue Grass and Monterey, Virginia, the bank serves Highland County, Virginia, Pendleton County and Pocahontas, West Virginia, and surrounding communities.
- Headquarters
- 2583 Blue Grass Valley Rd, Blue Grass, VA 24413
- FDIC certificate
- 8672 ↗
Branches
2 branches in Virginia
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Virginia
2 branches
Blue Grass area · 1
- The Blue Grass Valley BankMain office2583 Blue Grass Valley Rd, Blue Grass, VA 24413Directions
Monterey area · 1
- Monterey Branch132 E Main St, Monterey, VA 24465Directions
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 | 9.97% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 1.20% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.54% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $65 | $67 | — |
- CapitalLeverage ratio9.97%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent1.20%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.54%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$65Peers’ middle $67
Compared with the 546 banks with under $100 million 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 Blue Grass Valley Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.