Edmonton State Bank
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Data as of · sourced from FFIEC call reports. How we update
Edmonton State Bank is an FDIC-insured commercial bank headquartered in Glasgow, KY, established in 1899 (FDIC certificate 9678), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.15B, up 4.2% from Q2 2025, the 15th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9678
- Headquarters
- Glasgow, KY
- Established
- 1899
- Total assets, Q2 2026
- $1.15B
- Assets vs Q2 2025
- +4.2%
- Tier 1 leverage ratio, Q2 2026
- 11.47%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 083904181
- Holding company
- EDMONTON BANCSHARES, INC.
- Asset rank in state
- 15th of 120 in Kentucky
Edmonton State Bank is one of the more profitable banks of its size. The Glasgow, Kentucky bank had $1.2 billion in assets at June 30, 2026, up 4.2% from a year earlier. It earns about $2.43 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 4.93 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents). Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 10.4% and deposits rose 3.9%. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.32% of loans, against 0.13% a year earlier.
As of June 30, 2026, Edmonton State Bank reported a return on assets of 2.43%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Edmonton State Bank is the 15th largest of the 120 banks headquartered in Kentucky. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $1.15B, loans rose 2.8% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.1% of total loans, followed by owner-occupied commercial real estate loans at 12.2%. Its 18 offices in the FDIC Summary of Deposits are in 10 cities across 2 states; its Glasgow 3 offices book 27% of its branch deposits. Judged on its Q2 2026 call report, Edmonton State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 909 W Main St, Glasgow, KY 42141
- County
- Barren
- Metro Area
- Glasgow, 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 17, 1899
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 193
- Domestic deposits
- $1.00B
- Allowance for credit losses
- $10.4M
- Net charge-offs (YTD)
- $41K
- Average total assets
- $1.13B
- Average total loans
- $902.6M
- Average interest-bearing deposits
- $712.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9678
- Fed RSSD
- 845247
- Website
- www.edmontonstatebank.com →
- Parent Holding Company
- EDMONTON BANCSHARES, INC. (RSSD 1098031)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Edmonton State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Edmonton State Bank's total assets ranged from $757.3M (Q3 2023) to $1.17B (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
$1.15B total assets against $1.11B; $1.01B total liabilities against $975.6M.
$917.8M net loans and leases against $831.5M; $1.00B total deposits against $963.1M.
$56.3M securities against $54.6M; $127.7M cash and balances due against $166.8M.
$17.4M total interest income against $16.4M; $4.0M total interest expense against $4.2M.
$13.4M net interest income against $12.2M.
$2.1M total noninterest income against $1.8M; $7.7M total noninterest expense against $7.4M.
$635K provision for credit losses against -$35K.
$6.9M net income against $6.4M.
2.43% return on assets against 2.37%; 4.93% net interest margin against 4.75%.
11.47% tier 1 leverage ratio against 11.06%.
Inside the full Edmonton State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Edmonton State Bank rankings
Its closest position to the top of a national ranking is 188 of 3,611, for ROA; its furthest is 885 of 980, for uninsured deposits.
Metric pages for Edmonton State Bank: ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.18% (Q4 2024) to 2.65% (Q3 2025) and its net interest margin ran from 4.53% (Q1 2025) to 4.93% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.47% | 2.43% | 0.32% | 2.18% | 4.93% |
| Q1 2026 | 11.38% | 2.57% | 0.30% | 1.99% | 4.75% |
| Q4 2025 | 10.91% | 2.40% | 0.24% | 1.65% | 4.87% |
| Q3 2025 | 11.21% | 2.65% | 0.20% | 1.31% | 4.75% |
| Q2 2025 | 11.06% | 2.37% | 0.13% | 0.87% | 4.75% |
| Q1 2025 | 11.32% | 2.35% | 0.09% | 0.58% | 4.53% |
| Q4 2024 | 10.78% | 2.18% | 0.14% | 1.00% | 4.69% |
| Q3 2024 | 10.91% | 2.24% | 0.13% | 0.87% | 4.66% |
Swipe the table sideways to see every column.
Branch Network
View all 18 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 |
|---|---|---|---|
| Edmonton State Bank (main office) | Glasgow , KY | 42141 | $260.0M |
| Edmonton Branch | Edmonton , KY | 42129 | $142.9M |
| North Main St Branch | Tompkinsville , KY | 42167 | $129.2M |
| West Broadway Branch | Gallatin , TN | 37066 | $121.1M |
| Scottsville Branch | Scottsville , KY | 42164 | $76.1M |
| Edmonton State Bank Browns Lane Branch | Gallatin , TN | 37066 | $72.5M |
| Indian Lake Branch | Hendersonville , TN | 37075 | $61.2M |
| Bowling Green Branch | Bowling Green , KY | 42104 | $36.0M |
| Summer Shade Branch | Summer Shade , KY | 42166 | $25.8M |
| Center Branch | Center , KY | 42214 | $17.5M |
| Gamaliel Branch | Gamaliel , KY | 42140 | $14.9M |
| Us Highway West Branch | Edmonton , KY | 42129 | $9.8M |
| Patriot Courtyard Branch | Scottsville , KY | 42164 | $9.7M |
| North Side Branch | Glasgow , KY | 42141 | $8.7M |
| Lost River Branch | Bowling Green , KY | 42101 | $6.6M |
| White Plains Branch | Scottsville , KY | 42164 | $5.0M |
| Longhunters Branch | Glasgow , KY | 42141 | $3.2M |
| North Main Branch | Tompkinsville , KY | 42167 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 2, 2023 | Structure Change | Acquired Sumner Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 7, 2002 | Structure Change | Acquired Peoples Bank of Tompkinsville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 6, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1983 | Structure Change | Acquired Bank of Summer Shade Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in KY, rank 32 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 729 applications, 520 loans originated, $129.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $71K approved, $71K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Edmonton State Bank
What are Edmonton State Bank's total assets?
As of the Q2 2026 filing, Edmonton State Bank reported total assets of $1.15 billion in its FFIEC call report.
Where is Edmonton State Bank headquartered?
It is headquartered in Glasgow, KY, United States.
When was Edmonton State Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Edmonton State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Edmonton State Bank?
Edmonton State Bank's primary federal regulator is the FDIC.
How many branches does Edmonton State Bank operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Edmonton State Bank's Texas Ratio?
Its Texas Ratio is 2.18% 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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