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Bank of Edmonson County

$100M-$1B Specialty: Other KY FDIC cert 296

Brownsville, KY

3 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 -2.4% year over year ($242.7M on the books).
  • Delinquency rate 1.67%.
  • Return on assets 1.61%.
  • Efficiency ratio 56.35% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.50% 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) →

Bank of Edmonson County has 2 strengths but faces 3 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

  • + ROA 0.29% above tier average
  • + Efficiency Ratio 8.12% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 48.8% in tier
  • - Net Interest Margin 0.26% below tier average
  • - Delinquency Rate 0.75% above tier average
Get updates when Bank of Edmonson County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $283.4M
-0.1% YoY -2.0% QoQ
-$103.2M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $202.7M
+4.3% YoY +0.8% QoQ
-$55.7M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $242.7M
-2.4% YoY -3.3% QoQ
-$84.0M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 1.61%
-2.4% YoY +12.6% QoQ
+0.29% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 3.72%
+2.5% YoY +1.8% QoQ
-0.26% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
38%
Efficiency Ratio ? 56.35%
+2.8% YoY -8.3% QoQ
-8.12% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 1.67%
+176.7% YoY +134.0% QoQ
+0.75% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 83.50%
+6.9% YoY +4.2% QoQ
+5.55% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 34.71%
+1.7% YoY -0.4% QoQ
+12.68% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 10.2% in tier
Nonperforming Asset Ratio ? 1.20%
+98.9% YoY +140.7% QoQ
+0.53% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 16.81%
+2.1% YoY +0.8% QoQ
+0.90% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.19%
+5.6% YoY +102.6% QoQ
-0.38% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
47%

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 34.7%
+0.6pp YoY
-0.1pp QoQ
 +12.6pp 22.1% 23.5% 22.2% 90%
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 1.8%
-0.4pp YoY
-0.2pp QoQ
 -9.7pp 11.6% 8.6% 12.5% 6%
CRE 29.1%
-0.4pp YoY
+0.3pp QoQ
 -10.5pp 39.5% 37.1% 41.4% 33%
1-4 Family 53.7%
+2.2pp YoY
+1.8pp QoQ
 +21.1pp 32.6% 41.6% 31.3% 86%
Consumer 2.9%
-0.3pp YoY
-1.1pp QoQ
 -1.2pp 4.1% 4.8% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 16.8%
+0.3pp YoY
+0.1pp QoQ
 -2.0pp 18.8% 20.2% 19.7% 63%
Leverage Ratio 10.6%
+0.3pp YoY
+0.3pp QoQ
 -1.6pp 12.2% 14.0% 12.6% 43%
Total Capital Ratio 18.0%
+0.4pp YoY
+0.1pp QoQ
 -2.0pp 19.9% 21.3% 20.8% 63%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 44
-1 (-2.2%) YoY
+1 (+2.3%) QoQ
 -15 58 105 482 46%
Assets per Employee ($) $6.4M
+2.1% YoY
-4.2% QoQ
 -$1.1M $7.5M $6.3M $8.8M 41%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.7%
+1.1pp YoY
+1.0pp QoQ
 +0.7pp 0.9% 0.8% 1.0% 84%
Allowance Coverage 0.61x
-62.8% YoY
-56.9% QoQ
 -23.55x 24.15x 7.45x 20.23x 14%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 51%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 17.9%
-2.9pp YoY
+1.8pp QoQ
 +5.7pp 12.2% 13.3% 11.6% 81%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 64%
Net Income ($, YTD) $2.3M
-1.6% YoY
— QoQ
 -$259K $2.6M $5.1M $40.4M 58%

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 (1)

Liquidity Overhang

risk
#363 of 742 • Bottom 48.8% 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: 16.81%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 83.50%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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 (2 metrics)

270
Non-Interest-Bearing Deposit Share
funding
Value: 34.71%
Peer Median: 22.03%
#270 of 2643 Top 10.2% in $100M-$1B
631
Tier 1 Capital Ratio
capital
Value: 16.81%
Peer Median: 15.91%
#631 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (2 metrics)

2211
Nonperforming Asset Ratio
credit_quality
Value: 1.20%
Peer Median: 0.67%
#2211 of 2643 Bottom 16.4% in $100M-$1B
2197
Delinquency Rate
credit_quality
Value: 1.67%
Peer Median: 0.92%
#2197 of 2633 Bottom 16.6% in $100M-$1B
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