Bank of Edmonson County (FDIC certificate #296) is based in Brownsville, Kentucky. Its Q2 2026 call report shows $283.4M in total assets and $242.7M in deposits and 3 offices.
Bank of Edmonson County has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 96th. Earnings contributes the most (84/100, 1.61%); loan quality contributes the least (45/100, 1.66%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (74 → 64), mostly because the loan quality component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 62 |
| Q1 2025 | 65 |
| Q2 2025 | 74 |
| Q3 2025 | 73 |
| Q4 2025 | 74 |
| Q1 2026 | 71 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.07% |
| Q3 2024 | 10.10% |
| Q4 2024 | 10.09% |
| Q1 2025 | 10.23% |
| Q2 2025 | 10.32% |
| Q3 2025 | 10.47% |
| Q4 2025 | 10.29% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.57% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 0.77% |
| Q4 2024 | 1.49% |
| Q1 2025 | 1.40% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.71% |
| Q2 2026 | 1.66% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.30% |
| Q3 2024 | 1.33% |
| Q4 2024 | 1.34% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.65% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.56% |
| Q1 2026 | 1.43% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $283.4M | 10.57% | 1.66% | 1.61% | 83.5% |
| Q1 2026 | 71 | $289.2M | 10.25% | 0.71% | 1.43% | 80.1% |
| Q4 2025 | 74 | $282.6M | 10.29% | 0.50% | 1.56% | 82.2% |
| Q3 2025 | 73 | $285.2M | 10.47% | 0.80% | 1.62% | 78.9% |
| Q2 2025 | 74 | $283.8M | 10.32% | 0.60% | 1.65% | 78.1% |
| Q1 2025 | 65 | $285.0M | 10.23% | 1.40% | 1.48% | 78.4% |
| Q4 2024 | 62 | $280.0M | 10.09% | 1.49% | 1.34% | 79.7% |
| Q3 2024 | 69 | $284.3M | 10.10% | 0.77% | 1.33% | 79.9% |
| Q2 2024 | 69 | $279.1M | 10.07% | 0.69% | 1.30% | 79.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers BankBank Nicholasville, KY | 78 out of 100, Strong | $282.7M | 11.0% | 0.00% | vs |
| First Federal Savings Bank of KentuckyBank Frankfort, KY | 64 out of 100, Moderate | $282.6M | 10.5% | 0.44% | vs |
| United Citizens Bank of Southern KentuckyBank Columbia, KY | 81 out of 100, Strong | $286.2M | 12.1% | 0.43% | vs |
| Hometown Bank of Corbin, Inc.Bank Corbin, KY | 63 out of 100, Moderate | $302.3M | 8.8% | 0.52% | vs |
| Bank of JamestownBank Jamestown, KY | 84 out of 100, Strong | $263.8M | 13.0% | 0.02% | vs |
| Citizens Guaranty BankBank Richmond, KY | 48 out of 100, Below average | $303.6M | 8.6% | 2.11% | vs |
Deposit insurance
Is my money safe at Bank of Edmonson County?
Yes. Bank of Edmonson County is an FDIC-insured institution (FDIC certificate #296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.7% of deposits ($28.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.96% (benchmark: 10%).
3 locations
Branches
Bank of Edmonson County lists 3 offices in 3 cities. Most locations:
- Bowling Green, KY (1)
- Brownsville, KY (1)
- Smiths Grove, KY (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Edmonson County reported 142 home-loan applications under HMDA (LEI 549300T68H0CMTF8ZH83): 123 originated ($33,315,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank of Edmonson County
- Type
- State-chartered bank
- FDIC certificate #
- 296
- RSSD ID
- 903240
- Primary regulator
- FDIC
- Holding company
- Edmonson Bancshares Inc
- Established
- January 1, 1925
- Headquarters
- 109 S Main St, Brownsville, KY 42210
- Website
- www.bankofedmonson.com
- Employees
- 44
Quick answers
Bank of Edmonson County: common questions
Is Bank of Edmonson County FDIC insured?
Yes. Bank of Edmonson County is an FDIC-insured institution (FDIC certificate #296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Edmonson County's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Edmonson County ever failed?
There is no failure record for FDIC certificate #296 in the FDIC failed bank list.
How many branches does Bank of Edmonson County have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Brownsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hart County Bank and Trust CompanyBank Munfordville, KY | 93 out of 100, Very strong | $24.1M | 34.3% | 0.00% | vs |
| Edmonton State BankBank Glasgow, KY | 82 out of 100, Strong | $1.2B | 11.5% | 0.32% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
| Wilson & Muir Bank & Trust CompanyBank Bardstown, KY | 76 out of 100, Strong | $818.4M | 9.4% | 0.27% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| Franklin Bank & Trust CompanyBank Franklin, KY | 75 out of 100, Strong | $803.6M | 13.5% | 1.08% | vs |