Elkton Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Elkton Bank & Trust Company of Elkton, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.11% | 1.34% | -0.23% | 40th below |
| ROAE | 9.41% | 13.32% | -3.91% | 32nd below |
| Net Interest Margin | 3.50% | 3.93% | -0.43% | 27th below |
| Efficiency Ratio | 63.96% | 61.14% | +2.82% | 42nd below |
| PPNR / Avg Assets | 1.31% | 1.68% | -0.37% | 34th below |
| Yield on Earning Assets | 4.77% | 5.67% | -0.90% | 16th bottom |
| Cost of Funds | 1.42% | 1.88% | -0.46% | 74th above |
| Net Interest Spread | 2.85% | 3.32% | -0.47% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 22nd bottom |
| Texas Ratio | 0.39% | 7.33% | -6.94% | 82nd top |
| Provision / NCO | -350.00% | 1396.00% | -1746.00% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 28.77% | 19.50% | +9.27% | 91st top |
| Tier 1 Ratio | 28.77% | 19.53% | +9.24% | 91st top |
| Total Capital Ratio | 29.72% | 20.62% | +9.10% | 92nd top |
| Leverage Ratio | 12.58% | 12.14% | +0.44% | 71st above |
| Equity / Assets | 11.85% | 11.37% | +0.48% | 69th above |
| TCE / Tangible Assets | 11.85% | 11.09% | +0.76% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.49% | 80.64% | -32.15% | 92nd top |
| Core Deposit Ratio | 90.88% | 86.86% | +4.02% | 60th above |
| Wholesale Funding Ratio | 1.84% | 5.03% | -3.19% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.94% | 6.85% | -2.91% | 46th below |
| Loan Growth (Y/Y) | 0.79% | 7.90% | -7.11% | 26th below |
| Deposit Growth (Y/Y) | 3.94% | 6.29% | -2.35% | 49th below |
See Elkton Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Elkton Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Elkton Bank & Trust Company profile, how to read a UBPR, or how this data updates.