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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Brownsville, KY · FDIC certificate #296
BANK OF EDMONSON COUNTY is an FDIC-insured institution based in Brownsville, KY (FDIC certificate #296). In its Q3 2026 Call Report it reported total assets of $278M, total deposits of $242M and net loans of $202M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF EDMONSON COUNTY has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $289M in Q1 2026 and were lowest at $278M in Q3 2026.
Total deposits were highest at $251M in Q1 2026 and lowest at $242M in Q3 2026.
Over the whole period total assets fell 4.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $278M | $242M | $202M | 1.63% | 18.06% | 3.83% |
| Q2 2026 | $283M | $243M | $203M | 1.61% | 17.88% | 3.72% |
| Q1 2026 | $289M | $251M | $201M | 1.43% | 16.09% | 3.66% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.8M | $6.2M | -$480K | -7.7% |
| Federal funds sold | $0K | $4.5M | -$4.5M | -100.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $64.2M | $66.1M | -$1.9M | -2.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $202.7M | $201.1M | +$1.5M | +0.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.0M | $5.1M | -$70K | -1.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.8M | $6.2M | -$401K | -6.5% |
| Total assets | $283.4M | $289.2M | -$5.8M | -2.0% |
| Liabilities | ||||
| Total deposits | $242.7M | $251.1M | -$8.3M | -3.3% |
| Federal funds purchased | $4.2M | $0K | +$4.2M | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $8.6M | $11.3M | -$2.6M | -23.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.7M | $1.4M | +$270K | +18.9% |
| Total liabilities | $257.2M | $263.7M | -$6.5M | -2.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $22.3M | $21.8M | +$493K | +2.3% |
| Accumulated other comprehensive income | -$4.5M | -$4.7M | +$193K | +4.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $26.2M | $25.5M | +$686K | +2.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.4M | $1.4M | +$2.0M | +135.8% |
| Adjusted nonperforming assets | $3.4M | $1.4M | +$2.0M | +135.8% |
| Tangible equity plus allowance | $28.2M | $27.5M | +$719K | +2.6% |
| Texas ratio (gross) | 12.00% | 5.22% | +6.78 pts | See points |
| Texas ratio (adjusted) | 12.00% | 5.22% | +6.78 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 15.07% | 8.30% | +6.77 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.81% | 16.67% | +0.13 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.81% | 16.67% | +0.13 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.15% | 1.14% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.96% | 17.81% | +0.15 pts | See points |
| Tier 1 leverage (approximate) | 10.57% | 10.25% | +0.33 pts | See points |
| Construction and land loans to total capital | 49.75% | 52.42% | -2.68 pts | See points |
| Commercial real estate to total capital | 116.44% | 121.43% | -4.99 pts | See points |
| Dividend payout, year to date | 67.94% | 76.25% | -8.30 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.70% | -15.57% | +0.87 pts | See points |
| Liquidity | ||||
| Core deposits | $216.0M | $223.4M | -$7.4M | -3.3% |
| Non-core funding | $39.6M | $38.9M | +$653K | +1.7% |
| Loans to core deposits | 94.80% | 90.94% | +3.87 pts | See points |
| Loans to deposits | 84.34% | 80.91% | +3.43 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 39.74% | 36.43% | +3.30 pts | See points |
| Loans pledged, share of loans | 33.80% | 32.89% | +0.90 pts | See points |
| Volatile liabilities | $39.6M | $38.9M | +$653K | +1.7% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.1M | +$1.4M | +129.3% |
| Earnings before provision, single quarter | $1.4M | $1.1M | +$310K | +29.3% |
| Provision for credit losses, year to date | $50K | $0K | +$50K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.92% | 6.89% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 2.29% | 1.27% | +1.03 pts | See points |
| Total interest income to average assets | 5.23% | 5.13% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.62% | 0.66% | -0.04 pts | See points |
| Cost of savings and money market deposits | 0.63% | 0.70% | -0.07 pts | See points |
| Cost of time deposits | 3.55% | 3.61% | -0.05 pts | See points |
| Total interest expense to average assets | 1.72% | 1.77% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $278M | $242M | $202M | 1.63% | 18.06% | 3.83% |
| 2026-06-30 | $283M | $243M | $203M | 1.61% | 17.88% | 3.72% |
| 2026-03-31 | $289M | $251M | $201M | 1.43% | 16.09% | 3.66% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $248.6M | 0.20% | 82 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.