Elkton Bank & Trust Company
Elkton, KY
IDRSSD: 998648
Total Assets
$194.14M
Latest filing
Total Deposits
$164.56M
Latest filing
Net Interest Margin
3.56%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1866 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42220 |
| State and County Number | 21219 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | elktonbankandtrust.com |
| Data Updated | 11/14/2025 |
| CERT | 12162 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $194.14M |
| Total Deposits | $164.56M |
| Total Liabilities | $170.84M |
| Total Equity Capital | $23.30M |
| Net Income | $543.00k |
| Net Loans and Leases | $83.16M |
| Assets Per Employee ($Millions) | $5.71M |
| Bank Premises and Fixed Assets | $2.42M |
| Cash and Balances due from Depository Institutions | $35.68M |
| Deposits Held in Domestic Offices | $164.56M |
Key Performance Ratios
| Return on Assets (ROA) | 1.13% |
| Return on Equity (ROE) | 9.46% |
| Net Interest Margin | 3.56% |
| Efficiency Ratio | 62.55% |
| Tier 1 Risk-Based Capital Ratio | 26.786% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.002% |
| Earning Assets to total Assets | 95.47% |
Income and Expense
| Total Interest Income | $2.28M |
| Total Noninterest Income | $212.00k |
| Total Interest Expense | $648.00k |
| Total Noninterest Expense | $1.16M |
| Net Interest Income | $1.64M |
| Pre-tax Net Operating Income | $651.00k |
| Provision for Credit Losses | $41.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.45M |
| Federal Funds Purchased and Repurchased Agreement | $4.08M |
| All Other Liabilities | $2.20M |
| Total Liabilities and Capital | $194.14M |
Securities
| Securities | $68.25M |
| Available-for-sale debt securities | $21.39M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $46.86M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Elkton Bank & Trust Company?
$194.14M as of the latest filing.
How much are Elkton Bank & Trust Company's total deposits?
$164.56M in total deposits.
Where is Elkton Bank & Trust Company located?
Elkton, KY.
What is the Net Interest Margin?
3.56%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1866.
What is the Return on Assets (ROA)?
1.13%.
How much are total loans and leases?
$83.16M (latest filing).
What is the total interest income (latest filing)?
$2.28M.