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Elkton Bank & Trust Company
Elkton, KY · FDIC Certificate #12162 · Chartered 01/0
Total assets
$199.05M
Total deposits
$168.51M
Total equity
$23.59M
Net loans
$80.92M
Branches (offices)
4
Net income (YTD)
$997.00K
Rank: #2,982 of 4,213 U.S. banks by assets · #83 of 120 in Kentucky. Assets changed 3.9% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 8.50% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 11.85% |
| Tier 1 leverage ratio | 12.58% |
| Uninsured deposits (share of deposits) | 29.1% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 48.0% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $69.50M | 85.9% | |
| Commercial & industrial | $3.49M | 4.3% | |
| Consumer / individual | $3.93M | 4.9% | |
| Construction & development | $5.75M | 7.1% | |
| Agricultural | $4.75M | 5.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $174.15M | $151.70M | $801.00K | $17.46M |
| Jun 2023 | $174.10M | $150.04M | $1.16M | $18.79M |
| Jun 2024 | $193.28M | $167.06M | $719.00K | $20.21M |
| Jun 2025 | $191.51M | $162.12M | $1.14M | $22.60M |
| Jun 2026 | $199.05M | $168.51M | $997.00K | $23.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $168.51M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $168.51M.
Similar-sized banks
The First National Bank Of Evant ($199.41M) · Merchants And Planters Bank ($198.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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