Elkton Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Elkton Bank & Trust Company is the primary bank subsidiary of its parent holding company, headquartered in Elkton, KY. The Q2 2026 balance sheet stands at $199M in assets, including $82M in loans. Profitability tracks the broader industry: ROA 1.11%, ROE 9.41%, NIM 3.50%. Capital cushions are healthy: 28.77% CET1, 12.58% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.00%. 4 branches make up the footprint.
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 0.00%, a Texas ratio of 0.39%, per financial data filed with the FFIEC.
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
- Offices
- 4 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock Elkton Bank & Trust Company, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Elkton Bank & Trust Company: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.77% | 1.11% | 0.00% | 0.39% | 3.50% |
| Q1 2026 | 29.37% | 0.90% | 0.00% | 0.02% | 3.30% |
| Q4 2025 | 26.42% | 1.07% | 0.01% | 0.15% | 3.59% |
| Q3 2025 | 26.79% | 1.12% | 0.01% | 0.16% | 3.65% |
| Q2 2025 | 26.77% | 1.16% | 0.01% | 0.30% | 3.52% |
| Q1 2025 | 26.81% | 1.28% | 0.01% | 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
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| 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
What the public regulatory sources show for Elkton Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in KY, rank 104 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Elkton Bank & Trust Company headquartered?
Elkton Bank & Trust Company is headquartered in Elkton, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Elkton Bank & Trust Company founded?
Elkton Bank & Trust Company was established in 1866, per the FDIC institution directory.
Is Elkton Bank & Trust Company FDIC-insured?
Yes. Elkton Bank & Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Elkton Bank & Trust Company's CET1 capital ratio?
Elkton Bank & Trust Company 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?
Elkton Bank & Trust Company 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?
Elkton Bank & Trust Company's Texas Ratio is 0.39% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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