Elkton Bank & Trust Company

BankElkton, Kentucky
elktonbankandtrust.com

Total Assets

$193.0M

Total Deposits

$162.6M

Branches

4

Established

1866

TFS Health Grade

$
C

74.7 / 100

Average financial health

How we grade

Elkton Bank & Trust Company is a bank headquartered in Elkton, Kentucky, established in 1866. With $193.0M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C (74.7/100).

Capital & Safety

Tier 1 Capital Ratio
12.68%(8%)
Total Capital Ratio
27.34%(10%)
Non-Performing Loan Ratio
0.04%

Profitability

Return on Assets (ROA)
1.15%(1%)
Return on Equity (ROE)
9.80%(10%)
Net Interest Margin
3.53%
Efficiency Ratio
61.00%(60%)

Lending & Liquidity

Total Loans
$86.1M
Loan-to-Deposit Ratio
52.46%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+3.04%
Deposit Growth (YoY)
+1.95%
Net Income
$2.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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