Bank of Edmonson County: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 28.45 percentage points lower than in Q1 2026, at 43.09%. Within Kentucky, Bank of Edmonson County is 27th of 119 on return on assets, 1.75% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Edmonson County sits 0.50 points higher, at 1.75% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.81% |
| Tier 1 risk-based capital ratio | 16.81% |
| Total risk-based capital ratio | 17.96% |
| Tier 1 leverage ratio | 10.57% |
| Equity capital to assets | 9.24% |
| Tangible equity to tangible assets | 9.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.33% |
| Non-performing assets ratio | 1.68% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 16.87% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 43.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 19.71% |
| Net interest margin | 3.71% |
| Efficiency ratio | 51.30% |
| Yield on earning assets | 5.52% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.34% |
| Core deposits to total deposits | 88.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.65% |
| Securities to assets | 22.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.31% | 15.31% | 16.26% | 10.54% | 1.53% |
| Q4 2023 | 15.30% | 15.30% | 16.26% | 10.54% | 1.59% |
| Q1 2024 | 15.49% | 15.49% | 16.43% | 10.18% | 1.22% |
| Q2 2024 | 15.53% | 15.53% | 16.41% | 10.07% | 1.28% |
| Q3 2024 | 15.61% | 15.61% | 16.56% | 10.10% | 1.36% |
| Q4 2024 | 15.55% | 15.55% | 16.58% | 10.09% | 1.34% |
| Q1 2025 | 15.75% | 15.75% | 16.80% | 10.23% | 1.45% |
| Q2 2025 | 16.47% | 16.47% | 17.54% | 10.32% | 1.77% |
| Q3 2025 | 16.52% | 16.52% | 17.60% | 10.47% | 1.55% |
| Q4 2025 | 16.54% | 16.54% | 17.68% | 10.29% | 1.31% |
| Q1 2026 | 16.67% | 16.67% | 17.81% | 10.25% | 1.39% |
| Q2 2026 | 16.81% | 16.81% | 17.96% | 10.57% | 1.75% |
Bank of Edmonson County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Edmonson County, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Edmonson County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 296) · FFIEC NIC profile (RSSD 903240)