Elkton Bank & Trust Company: 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.
Securities to assets climbed 2.74 percentage points in Q2 2026, from 33.05% to 35.79%. It was the largest change from Q1 2026 among the key lines here. Elkton Bank & Trust Company ranks 76th of 119 Kentucky banks on return on assets, in the lower half at 1.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Elkton Bank & Trust Company sits 0.13 points lower, at 1.11% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.77% |
| Tier 1 risk-based capital ratio | 28.77% |
| Total risk-based capital ratio | 29.72% |
| Tier 1 leverage ratio | 12.58% |
| Equity capital to assets | 11.85% |
| Tangible equity to tangible assets | 11.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 0.39% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 9.41% |
| Net interest margin | 3.50% |
| Efficiency ratio | 63.96% |
| Yield on earning assets | 4.77% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.49% |
| Core deposits to total deposits | 90.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.66% |
| Securities to assets | 35.79% |
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 | 24.24% | 24.24% | 25.01% | 12.63% | 0.56% |
| Q4 2023 | 23.74% | 23.74% | 24.49% | 12.34% | 0.90% |
| Q1 2024 | 24.86% | 24.86% | 25.65% | 12.23% | 0.68% |
| Q2 2024 | 23.51% | 23.51% | 24.27% | 12.23% | 0.87% |
| Q3 2024 | 24.51% | 24.51% | 25.34% | 12.47% | 1.29% |
| Q4 2024 | 25.71% | 25.71% | 26.56% | 12.71% | 1.27% |
| Q1 2025 | 26.81% | 26.81% | 27.69% | 12.92% | 1.28% |
| Q2 2025 | 26.77% | 26.77% | 27.65% | 13.05% | 1.16% |
| Q3 2025 | 26.79% | 26.79% | 27.69% | 12.87% | 1.12% |
| Q4 2025 | 26.42% | 26.42% | 27.34% | 12.68% | 1.07% |
| Q1 2026 | 29.37% | 29.37% | 30.36% | 12.83% | 0.90% |
| Q2 2026 | 28.77% | 28.77% | 29.72% | 12.58% | 1.11% |
Elkton Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Elkton Bank & Trust Company, 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 Elkton Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12162) · FFIEC NIC profile (RSSD 998648)