Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Elkton, KY · FDIC certificate #12162
ELKTON BANK&TRUST CO is an FDIC-insured institution based in Elkton, KY (FDIC certificate #12162). In its Q3 2026 Call Report it reported total assets of $200M, total deposits of $170M and net loans of $82M. Its primary federal regulator is FDIC.
Plain-language readout
ELKTON BANK&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $200M in Q3 2026 and were lowest at $197M in Q1 2026.
Total deposits were highest at $170M in Q3 2026 and lowest at $167M in Q1 2026.
Over the whole period total assets rose 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $200M | $170M | $82M | 0.99% | 8.35% | 3.44% |
| Q2 2026 | $199M | $169M | $81M | 1.01% | 8.50% | 3.44% |
| Q1 2026 | $197M | $167M | $79M | 0.91% | 7.56% | 3.39% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $39.5M | $45.0M | -$5.5M | -12.2% |
| Federal funds sold | $1.9M | $2.4M | -$482K | -20.2% |
| 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) | $71.2M | $65.2M | +$6.0M | +9.2% |
| 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) | $80.9M | $79.4M | +$1.5M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.3M | $2.4M | -$44K | -1.9% |
| 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 | $3.2M | $3.0M | +$150K | +5.0% |
| Total assets | $199.1M | $197.4M | +$1.6M | +0.8% |
| Liabilities | ||||
| Total deposits | $168.5M | $167.2M | +$1.3M | +0.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $3.7M | $4.1M | -$457K | -11.1% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.3M | $2.5M | +$809K | +32.5% |
| Total liabilities | $175.5M | $173.8M | +$1.7M | +1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $3.2M | $3.2M | $0K | 0.0% |
| Retained earnings | $21.8M | $21.9M | -$46K | -0.2% |
| Accumulated other comprehensive income | -$1.5M | -$1.5M | +$27K | +1.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.6M | $23.6M | -$19K | -0.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $95K | $4K | +$91K | +2275.0% |
| Adjusted nonperforming assets | $95K | $4K | +$91K | +2275.0% |
| Tangible equity plus allowance | $24.4M | $24.4M | -$32K | -0.1% |
| Texas ratio (gross) | 0.39% | 0.02% | +0.37 pts | See points |
| Texas ratio (adjusted) | 0.39% | 0.02% | +0.37 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.39% | 0.02% | +0.37 pts | See points |
| Tier 1 capital to risk-weighted assets | 28.77% | 29.37% | -0.61 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 28.77% | 29.37% | -0.61 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.95% | 0.98% | -0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 29.72% | 30.36% | -0.64 pts | See points |
| Tier 1 leverage (approximate) | 12.58% | 12.83% | -0.25 pts | See points |
| Construction and land loans to total capital | 22.16% | 21.99% | +0.17 pts | See points |
| Commercial real estate to total capital | 104.63% | 105.52% | -0.89 pts | See points |
| Dividend payout, year to date | 60.18% | 0.00% | +60.18 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -29.75% | -30.93% | +1.19 pts | See points |
| Liquidity | ||||
| Core deposits | $153.1M | $152.0M | +$1.1M | +0.8% |
| Non-core funding | $19.0M | $19.3M | -$291K | -1.5% |
| Loans to core deposits | 53.36% | 52.77% | +0.59 pts | See points |
| Loans to deposits | 48.49% | 47.97% | +0.52 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 86.72% | 95.38% | -8.66 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $19.0M | $19.3M | -$291K | -1.5% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $537K | +$652K | +121.4% |
| Earnings before provision, single quarter | $652K | $537K | +$115K | +21.4% |
| Provision for credit losses, year to date | -$20K | -$20K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.16% | 6.97% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 3.69% | 3.19% | +0.50 pts | See points |
| Total interest income to average assets | 4.53% | 4.43% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 1.55% | 1.51% | +0.03 pts | See points |
| Cost of savings and money market deposits | 0.68% | 0.63% | +0.05 pts | See points |
| Cost of time deposits | 3.08% | 3.12% | -0.05 pts | See points |
| Total interest expense to average assets | 1.22% | 1.22% | +0.00 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 | $200M | $170M | $82M | 0.99% | 8.35% | 3.44% |
| 2026-06-30 | $199M | $169M | $81M | 1.01% | 8.50% | 3.44% |
| 2026-03-31 | $197M | $167M | $79M | 0.91% | 7.56% | 3.39% |
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 | $162.1M | 0.13% | 107 | Continuing · -0.01 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.