ELKTON BANK & TRUST COMPANY

ELKTON, KY | Small | Est. Jan. 1, 1866, midnight | FDIC #12162 | RSSD #998648 | FDIC
Latest Report: 2025-12-31

ELKTON BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in ELKTON, KY, established in Jan. 1, 1866, midnight. As of 2025-12-31, the bank reported total assets of $193M and total deposits of $163M. Profitability stands at 1.08% ROA and 8.97% ROE, with a net interest margin of 3.73%. The bank's CET1 capital ratio is 26.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.02%. FDIC Certificate #12162. The institution operates 1 domestic branch.

Assets

$193M

Deposits

$163M

Loans

$86M

Equity

$23M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 8.97%
Net Interest Margin (NIM) 3.73%
Yield on Assets 5.17%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.02%
NPA Ratio 0.00%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 26.42%
Tier 1 Capital 26.42%
Total Capital Ratio 27.34%
Leverage Ratio 12.68%
Loan-to-Deposit 52.97%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required