Compared with Virginia
1 of 12
compared fees are above the median.
7 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
42nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Virginia median
of 12 compared; 7 below, 4 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for The Blue Grass Valley Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Blue Grass Valley Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.8% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (42nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $9K in Q2 2026, 13% above the same quarter a year earlier ($8K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 12 compared published fees sit above the Virginia median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Virginia medians for fees published by banks and credit unions.
Monthly Maintenance
Interest Checking
Can be waived with a balance of $500 or more.
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 13% from Q3 2025 to Q2 2026, to $9K. Its share of revenue, 1.8%, is below the 2.1% median for banks with under $300M in assets.
$9K
The Blue Grass Valley BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
The Blue Grass Valley Bank · $60M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Blue Grass Valley Bank(this institution) | Blue Grass, VA | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Bearden | Bearden, AR | $67M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Gueydan | Gueydan, LA | $69M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BANK360 | Cordell, OK | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Benton County State Bank | Blairstown, IA | $51M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Blue Grass Federal Savings and Loan Association | Paris, KY | $59M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community First Bank, National Association | Forest, OH | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Community National Bank in Monmouth | Monmouth, IL | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank of Mound City, Kansas | Mound City, KS | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers State Bank, Allen, Oklahoma | Allen, OK | $57M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Financial Bank in Winnebago | Winnebago, MN | $58M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fortuna Bank | Grandview Heights, OH | $57M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lamont Bank of St. John | Saint John, WA | $51M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| North County Savings Bank | Red Bud, IL | $63M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Richton Bank & Trust Company | Richton, MS | $52M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sidney Federal Savings and Loan Association | Sidney, NE | $56M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Bank of Scotia | Scotia, NE | $61M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State National Bank | Groom, TX | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Talbot State Bank | Woodland, GA | $52M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The City State Bank | Fort Scott, KS | $58M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First Farmers National Bank of Waurika | Waurika, OK | $56M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Mer Rouge State Bank | Mer Rouge, LA | $52M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Peoples Bank | Gambier, OH | $60M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Port Austin State Bank | Port Austin, MI | $68M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The State Exchange Bank | Mankato, KS | $51M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Minnesota Bank | New London, MN | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $5.25 among 12 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for The Blue Grass Valley Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $9K | −$2K | −18.2% |
| Q1 2026 | $11K | $0 | 0.0% |
| Q4 2025 | $11K | +$3K | +37.5% |
| Q3 2025 | $8K | $0 | 0.0% |
| Q2 2025 | $8K | −$2K | −20.0% |
| Q1 2025 | $10K | −$2K | −16.7% |
| Q4 2024 | $12K | +$2K | +20.0% |
| Q3 2024 | $10K | +$1K | +11.1% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, The Blue Grass Valley Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Blue Grass Valley Bank by share.
Amounts from The Blue Grass Valley Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge (Interest Checking) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) | $20Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned item fee | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Card Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Out – Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Out - International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s check fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Personal money order fee | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment fee | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Account Services | |||
| Jumbo (10"x10") | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Large (5"x10") | $21Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Medium (3"x10") | $14.40Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Small (3"x5") | $10.80Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Other Fees | |||
| Statement Copies | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Blue Grass Valley Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $53.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $53.6M |
Largest competitors nearby
Local market: Highland county, VA, where it holds the most deposits.
| 1 in its local market | Deposit share |
|---|---|
| Burke & Herbert Bank & Trust Company | 61.5% |
This bank holds 38.5% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Fee change alerts
We check once a day and send one email covering every change.