Compared with Kentucky
3 of 16
compared fees are above the median.
8 below, 5 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
50th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 16 compared; 8 below, 5 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Blue Grass Federal Savings and Loan Association 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 Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Blue Grass Federal Savings and Loan Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.1% of revenue, about the same as the 2.1% median of 1,681 banks with under $300M in assets (50th percentile). About the same: within 1% of the median.
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.
3 of 16 compared published fees sit above the Kentucky median; 8 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 Kentucky medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Preferred Interest Checking
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $9K. Its share of revenue, 2.1%, is about the same as the 2.1% median for banks with under $300M in assets.
$9K
Blue Grass Federal Savings and Loan AssociationMedian
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.
Blue Grass Federal Savings and Loan Association · $59M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Blue Grass Federal Savings and Loan Association(this institution) | Paris, KY | $59M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 Brewton | Brewton, AL | $50M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| 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 Blue Grass Valley Bank | Blue Grass, VA | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $7, against a peer median of $5 among 13 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 Blue Grass Federal Savings and Loan Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $9K | −$4K | −30.8% |
| Q1 2026 | $13K | −$2K | −13.3% |
| Q4 2025 | $15K | +$6K | +66.7% |
| Q3 2025 | $9K | +$1K | +12.5% |
| Q2 2025 | $8K | −$1K | −11.1% |
| Q1 2025 | $9K | +$1K | +12.5% |
| Q4 2024 | $8K | −$1K | −11.1% |
| Q3 2024 | $9K | +$1K | +12.5% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Blue Grass Federal Savings and Loan Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Blue Grass Federal Savings and Loan Association by share.
Amounts from Blue Grass Federal Savings and Loan Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per day
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Preferred Interest Checking Monthly fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | waived if daily balance is at least $1,500 |
| Account Reconciliation | $15Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-sufficient funds (NSF) or Overdraft (OD) per item | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-sufficient funds (NSF) or Overdraft (OD) per item | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Sustained Overdraft (per day, after 7 business days) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Cross-border | 1.1%of the transaction | Not stated | None |
| Currency Conversion Fee (audience not stated, treated as personal) | 0.2%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Outgoing (within USA) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing (non-customer) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Fee | $1.50Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Process (e.g. IRS, levy, garnishment) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Deposit Verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy (per page) | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy (per page) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 11, 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 Blue Grass Federal Savings and Loan Association operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $40.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $40.6M |
Lexington-Fayette, KY
0.3% of bank deposits, #27 of 36, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Central Bank & Trust Co. | 14.9% |
| JPMorgan Chase Bank, National Association | 12.8% |
| Fifth Third Bank, National Association | 11.4% |
| Traditional Bank, Inc. | 8.3% |
| PNC Bank, National Association | 7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Lexington-Fayette, KY, Blue Grass Federal Savings and Loan Association holds 0.3% of bank deposits, #27 of 36, with 1 office.
202 offices of 48 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 36 institutions shown. $16.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.3% share, 1 office, #27 of 36
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
33 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.