Headquartered in Glasgow, Kentucky, Edmonton State Bank is a state-chartered bank with $1.2B in total assets and $1.0B in deposits as of Q2 2026. It operates 18 offices across 2 states. Its charter dates back to 1899.
Based on its Q2 2026 filing, Edmonton State Bank scores 82/100, which we describe as strong. That is higher than 93% of 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 17th. Its strongest component is earnings (100/100; 2.44%), and its lowest is capital cushion (65/100; 11.47%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 82 |
| Q4 2024 | 80 |
| Q1 2025 | 84 |
| Q2 2025 | 83 |
| Q3 2025 | 82 |
| Q4 2025 | 81 |
| Q1 2026 | 82 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.90% |
| Q3 2024 | 10.91% |
| Q4 2024 | 10.78% |
| Q1 2025 | 11.32% |
| Q2 2025 | 11.06% |
| Q3 2025 | 11.21% |
| Q4 2025 | 10.91% |
| Q1 2026 | 11.38% |
| Q2 2026 | 11.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.29% |
| Q3 2024 | 2.26% |
| Q4 2024 | 2.27% |
| Q1 2025 | 2.38% |
| Q2 2025 | 2.37% |
| Q3 2025 | 2.46% |
| Q4 2025 | 2.44% |
| Q1 2026 | 2.50% |
| Q2 2026 | 2.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $1.2B | 11.47% | 0.32% | 2.44% | 91.8% |
| Q1 2026 | 82 | $1.2B | 11.38% | 0.30% | 2.50% | 87.9% |
| Q4 2025 | 81 | $1.1B | 10.91% | 0.24% | 2.44% | 88.1% |
| Q3 2025 | 82 | $1.1B | 11.21% | 0.20% | 2.46% | 87.7% |
| Q2 2025 | 83 | $1.1B | 11.06% | 0.13% | 2.37% | 86.3% |
| Q1 2025 | 84 | $1.1B | 11.32% | 0.09% | 2.38% | 88.1% |
| Q4 2024 | 80 | $979.7M | 10.78% | 0.14% | 2.27% | 97.8% |
| Q3 2024 | 82 | $1.1B | 10.91% | 0.13% | 2.26% | 88.8% |
| Q2 2024 | 82 | $1.0B | 10.90% | 0.13% | 2.29% | 89.0% |
897 peers · $1 billion – $10 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 Monticello Banking CompanyBank Monticello, KY | 71 out of 100, Strong | $1.1B | 10.2% | 0.11% | vs |
| The Paducah Bank and Trust CompanyBank Paducah, KY | 79 out of 100, Strong | $1.1B | 10.6% | 0.19% | vs |
| First Southern National BankBank Lancaster, KY | 68 out of 100, Moderate | $1.3B | 10.8% | 0.61% | vs |
| Community Financial Services BankBank Benton, KY | 70 out of 100, Strong | $1.4B | 10.3% | 0.42% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
| Forcht Bank, National AssociationBank Lexington, KY | 66 out of 100, Moderate | $1.6B | 8.2% | 0.05% | vs |
Deposit insurance
Is my money safe at Edmonton State Bank?
Yes. Edmonton State Bank is an FDIC-insured institution (FDIC certificate #9678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.6% of deposits ($156.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
18 locations
Branches
Edmonton State Bank lists 18 offices in 10 cities across 2 states. Most locations:
- Glasgow, KY (3)
- Scottsville, KY (3)
- Bowling Green, KY (2)
- Edmonton, KY (2)
- Gallatin, TN (2)
- Tompkinsville, KY (2)
- Center, KY (1)
- Gamaliel, KY (1)
- Hendersonville, TN (1)
- Summer Shade, KY (1)
HMDA 2025
Mortgage lending
In 2025, Edmonton State Bank reported 718 home-loan applications under HMDA (LEI 549300AJ6XFK1ACXWQ06): 520 originated ($129,050,000 total), 99 denied, and 96 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.9%, 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
- Edmonton State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9678
- RSSD ID
- 845247
- Primary regulator
- FDIC
- Holding company
- Edmonton Bancshares Inc
- Established
- March 17, 1899
- Headquarters
- 909 W Main St, Glasgow, KY 42141
- Website
- www.edmontonstatebank.com
- Employees
- 193
Quick answers
Edmonton State Bank: common questions
Is Edmonton State Bank FDIC insured?
Yes. Edmonton State Bank is an FDIC-insured institution (FDIC certificate #9678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Edmonton State Bank's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Edmonton State Bank ever failed?
There is no failure record for FDIC certificate #9678 in the FDIC failed bank list.
How many branches does Edmonton State Bank have?
18 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Glasgow
| 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 |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| The Peoples BankBank Marion, KY | 73 out of 100, Strong | $135.3M | 11.6% | 0.23% | vs |
| South Central Bank, Inc.Bank Glasgow, KY | 72 out of 100, Strong | $2.3B | 9.9% | 0.30% | vs |
| The Monticello Banking CompanyBank Monticello, KY | 71 out of 100, Strong | $1.1B | 10.2% | 0.11% | vs |