Elkton Bank & Trust Company: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 1.03 percentage points in Q2 2026, from 27.15% to 26.12%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Elkton Bank & Trust Company is 84th of 120 on total deposits, $168.5M as of Q2 2026, below the middle of the field. Elkton Bank & Trust Company reported $168.5M on total deposits for Q2 2026, 39% below the $277.3M median for banks in the $100M-1B asset tier.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $168.5M |
| Domestic office deposits | $168.5M |
| Foreign office deposits | — |
| Deposits to total assets | 84.66% |
| Deposits to total liabilities | 96.04% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $44.0M |
| Savings deposits | $19.7M |
| Transaction accounts to domestic deposits | 59.71% |
| Time deposits | $25K |
| Time deposits under $100k | $11.4M |
| Time deposits $100k to $250k | $14.6M |
| Time deposits over $250k | $15.4M |
| Noninterest-bearing share of deposits | 26.12% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $153.1M |
| Core deposits to total deposits | 90.88% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.88% |
| Interest expense on deposits | $578K |
| Loans and leases to core deposits | 53.36% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $161.1M | 95.31% | 0.00% | 1.99% |
| Q4 2023 | $162.3M | 94.07% | 0.00% | 2.38% |
| Q1 2024 | $162.1M | 93.45% | 0.00% | 2.43% |
| Q2 2024 | $167.1M | 95.64% | 0.00% | 2.45% |
| Q3 2024 | $160.4M | 96.19% | 0.00% | 2.22% |
| Q4 2024 | $159.5M | 96.17% | 0.00% | 2.08% |
| Q1 2025 | $161.9M | 92.24% | 0.00% | 2.00% |
| Q2 2025 | $162.1M | 92.18% | 0.00% | 2.05% |
| Q3 2025 | $164.6M | 91.28% | 0.00% | 2.08% |
| Q4 2025 | $162.6M | 90.86% | 0.00% | 2.04% |
| Q1 2026 | $167.2M | 90.91% | 0.00% | 1.87% |
| Q2 2026 | $168.5M | 90.88% | 0.00% | 1.88% |
Elkton Bank & Trust Company deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Elkton Bank & Trust Company, freeSource: Call Report Schedules RC-E and RC-O, 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 Elkton Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12162) · FFIEC NIC profile (RSSD 998648)