Bank of Edmonson County
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Data as of · sourced from FFIEC call reports. How we update
Bank of Edmonson County is an FDIC-insured commercial bank headquartered in Brownsville, KY, established in 1925 (FDIC certificate 296), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $283.4M, down 0.1% from Q2 2025, the 63rd largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 16.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 296
- Headquarters
- Brownsville, KY
- Established
- 1925
- Total assets, Q2 2026
- $283.4M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 16.81%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083907560
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Edmonson County Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- EDMONSON BANCSHARES, INC
- Asset rank in state
- 63rd of 120 in Kentucky
Problem loans are rising at Bank of Edmonson County. The Brownsville, Kentucky bank had $283 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.66% of loans from 0.60% a year earlier. It lost 2.4% of its deposits over the year, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 4.1%). It also carries problem assets equal to 12.0% of the capital and reserves that would absorb them, 4.5 times the median of 2.7% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 4.4% and deposits fell 2.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.5 million equal 15% of Tier 1 capital, down from 20% a year earlier.
As of June 30, 2026, Bank of Edmonson County reported a CET1 capital ratio of 16.81%, a return on assets of 1.75%, a nonperforming-loan ratio of 1.66% and a Texas ratio of 12.00%. The figures come from its call report filed with the FFIEC.
Bank of Edmonson County ranks as the 63rd largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.0% to $283.4M, loans rose 0.8% and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 53.2% of total loans, ahead of farmland and other real estate loans at 13.1%. Its 3 offices in the FDIC Summary of Deposits are in Brownsville, KY, Bowling Green, KY and Smiths Grove, KY; its Brownsville office books 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Edmonson County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 109 S Main St, Brownsville, KY 42210
- County
- Edmonson
- Metro Area
- Bowling Green, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1925
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $242.7M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $290.3M
- Average total loans
- $203.4M
- Average interest-bearing deposits
- $182.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 296
- Fed RSSD
- 903240
- Website
- www.bankofedmonson.com →
- Parent Holding Company
- EDMONSON BANCSHARES, INC (RSSD 2155397)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Edmonson County's total assets ranged from $271.2M (Q4 2023) to $289.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$283.4M total assets against $283.8M; $257.2M total liabilities against $259.8M.
$202.7M net loans and leases against $194.3M; $242.7M total deposits against $248.6M.
$64.2M securities against $66.2M; $5.8M cash and balances due against $11.7M.
$3.8M total interest income against $3.9M; $1.2M total interest expense against $1.4M.
$2.5M net interest income against $2.5M.
$267K total noninterest income against $250K; $1.4M total noninterest expense against $1.4M.
$50K provision for credit losses against $0.
$1.3M net income against $1.3M.
1.75% return on assets against 1.77%; 3.71% net interest margin against 3.62%.
16.81% CET1 capital ratio against 16.47%; 10.57% tier 1 leverage ratio against 10.32%.
Inside the full Bank of Edmonson County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Edmonson County rankings
Its closest position to the top of a national ranking is 476 of 3,640, for Texas Ratio; its furthest is 2,540 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.31% (Q4 2025) to 1.77% (Q2 2025) and its net interest margin ran from 3.46% (Q4 2024) to 3.72% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.81% | 1.75% | 1.66% | 12.00% | 3.71% |
| Q1 2026 | 16.67% | 1.39% | 0.71% | 5.22% | 3.54% |
| Q4 2025 | 16.54% | 1.31% | 0.50% | 3.68% | 3.72% |
| Q3 2025 | 16.52% | 1.55% | 0.80% | 5.90% | 3.66% |
| Q2 2025 | 16.47% | 1.77% | 0.60% | 6.59% | 3.62% |
| Q1 2025 | 15.75% | 1.45% | 1.40% | 11.96% | 3.46% |
| Q4 2024 | 15.55% | 1.34% | 1.49% | 13.57% | 3.46% |
| Q3 2024 | 15.61% | 1.36% | 0.77% | 6.87% | 3.51% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Edmonson County (main office) | Brownsville , KY | 42210 | $166.5M |
| Boec Branch Office Branch | Bowling Green , KY | 42101 | $53.4M |
| Smiths Grove Branch | Smiths Grove , KY | 42171 | $22.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 83 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 142 applications, 123 loans originated, $33.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Edmonson County
What are Bank of Edmonson County's total assets?
As of the Q2 2026 filing, Bank of Edmonson County reported total assets of $283.4 million in its FFIEC call report.
Where is Bank of Edmonson County headquartered?
It is headquartered in Brownsville, KY, United States.
When was Bank of Edmonson County founded?
It was established in 1925, per the FDIC institution directory.
Is Bank of Edmonson County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Edmonson County?
Bank of Edmonson County's primary federal regulator is the FDIC.
What is Bank of Edmonson County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Edmonson County operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Edmonson County's Texas Ratio?
Its Texas Ratio is 12.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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