Elkton Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Elkton Bank & Trust Company is an FDIC-insured commercial bank headquartered in Elkton, KY, established in 1866 (FDIC certificate 12162), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $199.1M, up 3.9% from Q2 2025, the 83rd largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 28.77% 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
- 12162
- Headquarters
- Elkton, KY
- Established
- 1866
- Total assets, Q2 2026
- $199.1M
- Assets vs Q2 2025
- +3.9%
- CET1 ratio, Q2 2026
- 28.77%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 083902727
- Latest call report
- Q2 2026, FFIEC 051 · Elkton Bank & Trust Company call report
- Holding company
- ELKTON BANCORP, INC.
- Asset rank in state
- 83rd of 120 in Kentucky
Elkton Bank & Trust Company carries far more capital than most banks of its size. Its balance sheet stood at $199 million at June 30, 2026, up 3.9% from a year earlier; it is based in Elkton, Kentucky. It holds common equity equal to 28.77% of its risk-weighted assets, about double the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $7.5 million equal 30% of Tier 1 capital, down from 37% a year earlier. Deposits are coming in faster than loans: over the year loans rose 0.8% and deposits rose 3.9%.
As of June 30, 2026, Elkton Bank & Trust Company reported a CET1 capital ratio of 28.77%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Elkton Bank & Trust Company is the 83rd largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $199.1M, loans rose 1.9% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.1% of total loans, followed by multifamily loans at 16.6%. Its 4 offices in the FDIC Summary of Deposits are in Elkton, KY and Guthrie, KY; its Elkton 2 offices book 74% of its branch deposits. On its Q2 2026 call report, Elkton Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 30 Public Sq, Elkton, KY 42220
- County
- Todd
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1866
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $168.5M
- Allowance for credit losses
- $785K
- Net charge-offs (YTD)
- $8K
- Average total assets
- $199.5M
- Average total loans
- $80.5M
- Average interest-bearing deposits
- $123.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12162
- Fed RSSD
- 998648
- Website
- elktonbankandtrust.com →
- Parent Holding Company
- ELKTON BANCORP, INC. (RSSD 1099841)
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
Elkton Bank & Trust Company's total assets moved between a low of $185.4M (Q3 2023) and a high of $199.1M (Q2 2026) from Q3 2023 to Q2 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
$199.1M total assets against $191.5M; $175.5M total liabilities against $168.9M.
$80.9M net loans and leases against $80.3M; $168.5M total deposits against $162.1M.
$71.2M securities against $69.2M; $41.4M cash and balances due against $36.5M.
$2.3M total interest income against $2.2M; $609K total interest expense against $632K.
$1.6M net interest income against $1.6M.
$205K total noninterest income against $191K; $1.2M total noninterest expense against $1.1M.
$0 provision for credit losses against $13K.
$555K net income against $545K.
1.11% return on assets against 1.16%; 3.50% net interest margin against 3.52%.
28.77% CET1 capital ratio against 26.77%; 12.58% tier 1 leverage ratio against 13.05%.
Inside the full Elkton Bank & Trust Company 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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Elkton Bank & Trust Company rankings
Its closest position to the top of a national ranking is 98 of 2,134, for CET1 ratio; its furthest is 3,032 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.90% (Q1 2026) to 1.29% (Q3 2024) and its net interest margin ran from 3.30% (Q1 2026) to 3.65% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.77% | 1.11% | 0.12% | 0.39% | 3.50% |
| Q1 2026 | 29.37% | 0.90% | 0.00% | 0.02% | 3.30% |
| Q4 2025 | 26.42% | 1.07% | 0.04% | 0.15% | 3.59% |
| Q3 2025 | 26.79% | 1.12% | 0.05% | 0.16% | 3.65% |
| Q2 2025 | 26.77% | 1.16% | 0.09% | 0.30% | 3.52% |
| Q1 2025 | 26.81% | 1.28% | 0.10% | 0.35% | 3.43% |
| Q4 2024 | 25.71% | 1.27% | 0.01% | 0.05% | 3.51% |
| Q3 2024 | 24.51% | 1.29% | 0.02% | 0.06% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Elkton Bank & Trust Company (main office) | Elkton , KY | 42220 | $125.4M |
| Guthrie Branch | Guthrie , KY | 42234 | $27.1M |
| Guthrie Branch | Guthrie , KY | 42234 | $16.0M |
| Drive-In Branch Facility | Elkton , KY | 42220 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 104 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Elkton Bank & Trust Company
What are Elkton Bank & Trust Company's total assets?
As of the Q2 2026 filing, Elkton Bank & Trust Company reported total assets of $199.1 million in its FFIEC call report.
Where is Elkton Bank & Trust Company headquartered?
It is headquartered in Elkton, KY, United States.
When was Elkton Bank & Trust Company founded?
It was established in 1866, per the FDIC institution directory.
Is Elkton Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Elkton Bank & Trust Company?
Elkton Bank & Trust Company's primary federal regulator is the FDIC.
What is Elkton Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 28.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Elkton Bank & Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Elkton Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 0.39% 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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