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Elkton Bank & Trust Company

$100M-$1B Specialty: Other KY FDIC cert 12162

Elkton, KY

4 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +3.9% year over year ($168.5M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 1.01%.
  • Efficiency ratio 67.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 48.02% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Elkton Bank & Trust Company has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.1% in tier
  • - Credit Quality Pressure: Bottom 9.7% in tier
  • - Margin Compression: Bottom 27.7% in tier
  • - Liquidity Overhang: Bottom 41.2% in tier
  • - Cost Spiral: Bottom 45.6% in tier
  • - Net Interest Margin 0.54% below tier average
Get updates when Elkton Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $199.1M
+3.9% YoY +0.8% QoQ
-$187.5M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $80.9M
+0.8% YoY +1.9% QoQ
-$177.4M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 10.8% in tier
Total Deposits ? $168.5M
+3.9% YoY +0.8% QoQ
-$158.2M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 1.01%
-15.7% YoY +12.1% QoQ
-0.31% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 3.44%
-0.8% YoY +1.5% QoQ
-0.54% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 67.17%
+9.9% YoY -3.5% QoQ
+2.69% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 0.12%
+32.7% YoY
-0.80% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 48.02%
-3.0% YoY +1.1% QoQ
-29.93% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Top 7.4% in tier
Non-Interest-Bearing Deposit Share ? 26.12%
-5.5% YoY -3.8% QoQ
+4.09% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
70%
Nonperforming Asset Ratio ? 0.05%
+28.7% YoY
-0.62% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 28.77%
+7.5% YoY -2.1% QoQ
+12.86% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Top 4.7% in tier
Non-Interest Income / Assets ? 0.20%
-21.9% YoY +104.5% QoQ
-0.37% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
49%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 26.1%
-1.5pp YoY
-1.0pp QoQ
 +4.0pp 22.1% 23.5% 22.2% 70%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 4.3%
-1.8pp YoY
-0.9pp QoQ
 -7.2pp 11.6% 8.6% 12.5% 16%
CRE 36.4%
-6.8pp YoY
-1.1pp QoQ
 -3.1pp 39.5% 37.1% 41.4% 46%
1-4 Family 43.5%
+9.5pp YoY
+1.8pp QoQ
 +10.9pp 32.6% 41.6% 31.3% 75%
Consumer 4.9%
-1.0pp YoY
+0.2pp QoQ
 +0.7pp 4.1% 4.8% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 28.8%
+2.0pp YoY
-0.6pp QoQ
 +9.9pp 18.8% 20.2% 19.7% 92%
Leverage Ratio 12.6%
-0.5pp YoY
-0.3pp QoQ
 +0.4pp 12.2% 14.0% 12.6% 71%
Total Capital Ratio 29.7%
+2.1pp YoY
-0.6pp QoQ
 +9.8pp 19.9% 21.3% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 32
-2 (-5.9%) YoY
0 QoQ
 -27 58 105 482 30%
Assets per Employee ($) $6.2M
+10.4% YoY
+0.8% QoQ
 -$1.3M $7.5M $6.3M $8.8M 37%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
 -0.2pp 0.3% 0.3% 0.4% 54%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 8.26x
-27.7% YoY
-95.9% QoQ
 -15.89x 24.15x 7.45x 20.23x 79%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 53%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 8.5%
-1.9pp YoY
+0.9pp QoQ
 -3.7pp 12.2% 13.3% 11.6% 28%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 23%
Net Income ($, YTD) $997,000
-12.8% YoY
— QoQ
 -$1.6M $2.6M $5.1M $40.4M 26%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Credit Risk Growth

risk
#2 of 936 • Bottom 0.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#123 of 1256 • Bottom 9.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Margin Compression

decline
#86 of 307 • Bottom 27.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.01%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#307 of 742 • Bottom 41.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 28.77%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 48.02%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Cost Spiral

risk
#64 of 138 • Bottom 45.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 67.17%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

125
Tier 1 Capital Ratio
capital
Value: 28.77%
Peer Median: 15.91%
#125 of 2643 Top 4.7% in $100M-$1B
197
Loan-to-Deposit Ratio
liquidity
Value: 48.02%
Peer Median: 77.95%
#197 of 2643 Top 7.4% in $100M-$1B
561
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.67%
#561 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (2 metrics)

2359
Total Loans
size
Value: $80.92M
Peer Median: $258.35M
#2359 of 2643 Bottom 10.8% in $100M-$1B
1986
Net Interest Margin
profitability
Value: 3.44%
Peer Median: 3.99%
#1986 of 2643 Bottom 24.9% in $100M-$1B
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