BANK OF EDMONSON COUNTY

BROWNSVILLE, KY | Small | Est. Jan. 1, 1925, midnight | FDIC #296 | RSSD #903240 | FDIC
Latest Report: 2025-12-31

BANK OF EDMONSON COUNTY is asn small FDIC-insured commercial bank headquartered in BROWNSVILLE, KY, established in Jan. 1, 1925, midnight. As of 2025-12-31, the bank reported total assets of $283M and total deposits of $242M. Profitability stands at 1.35% ROA and 15.18% ROE, with a net interest margin of 3.92%. The bank's CET1 capital ratio is 16.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.50% and a Texas Ratio of 3.68%. FDIC Certificate #296.

Assets

$283M

Deposits

$242M

Loans

$201M

Equity

$25M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 15.18%
Net Interest Margin (NIM) 3.92%
Yield on Assets 5.92%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 0.50%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.68%
NPA Ratio 0.36%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 16.54%
Tier 1 Capital 16.54%
Total Capital Ratio 17.68%
Leverage Ratio 10.29%
Loan-to-Deposit 82.99%

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