BlastPoint's Banking Scorecard

Elkton Bank & Trust Company

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

Elkton, KY

4 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

Elkton Bank & Trust Company has 1 strength but faces 4 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 0.88% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 8.8% in tier
- Liquidity Overhang: Bottom 38.3% in tier
- Cost Spiral: Bottom 90.5% in tier
- Net Interest Margin 0.54% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$197.4M +3.4% YoY +2.3% QoQ	-$188.7M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$79.4M +1.2% YoY -6.9% QoQ	-$176.3M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Bottom 10.9% in tier
Total Deposits ?	$167.2M +3.2% YoY +2.8% QoQ	-$160.8M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	0.91% -28.4% YoY -21.5% QoQ	-0.36%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	3.39% -2.0% YoY -3.9% QoQ	-0.54%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	69.63% +15.2% YoY +14.1% QoQ	+4.34%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	0.01% -95.1% YoY -88.1% QoQ	-0.88%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Top 12.8% in tier
Loan-to-Deposit Ratio ?	47.49% -2.0% YoY -9.5% QoQ	-29.14%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	Top 7.7% in tier
Non-Interest-Bearing Deposit Share ?	27.15% -7.0% YoY +1.0% QoQ	+5.13%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.00% -95.2% YoY -89.1% QoQ	-0.64%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Top 11.6% in tier
Tier 1 Capital Ratio ?	29.37% +9.6% YoY +11.2% QoQ	+13.54%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Top 4.1% in tier
Non-Interest Income / Assets ?	0.10% -37.6% YoY -79.9% QoQ	-0.18%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	50%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Margin Compression

decline

#28 of 305 • Bottom 8.8% 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: 0.91%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Liquidity Overhang

risk

#284 of 739 • Bottom 38.3% 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: 29.37%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 47.49%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Cost Spiral

risk

#115 of 126 • Bottom 90.5% 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: 69.63%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

110

Tier 1 Capital Ratio

capital

Value: 29.37%

Peer Median: 15.83%

#110 of 2664 Top 4.1% in $100M-$1B

206

Loan-to-Deposit Ratio

liquidity

Value: 47.49%

Peer Median: 76.64%

#206 of 2664 Top 7.7% in $100M-$1B

310

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#310 of 2664 Top 11.6% in $100M-$1B

340

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#340 of 2654 Top 12.8% in $100M-$1B

Top Weaknesses (1 metrics)

2374

Total Loans

size

Value: $79.41M

Peer Median: $255.72M

#2374 of 2664 Bottom 10.9% in $100M-$1B