Headquartered in Elkton, Kentucky, Elkton Bank & Trust Company is a state-chartered bank with $199.1M in total assets and $168.5M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1866.
Based on its Q2 2026 filing, Elkton Bank & Trust Company scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 20th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is earnings (61/100; 1.01%).
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 2 points (84 → 82), mostly because the earnings component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 81 |
| Q4 2024 | 82 |
| Q1 2025 | 85 |
| Q2 2025 | 84 |
| Q3 2025 | 84 |
| Q4 2025 | 84 |
| Q1 2026 | 83 |
| Q2 2026 | 82 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.23% |
| Q3 2024 | 12.47% |
| Q4 2024 | 12.71% |
| Q1 2025 | 12.92% |
| Q2 2025 | 13.05% |
| Q3 2025 | 12.87% |
| Q4 2025 | 12.68% |
| Q1 2026 | 12.83% |
| Q2 2026 | 12.58% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.12% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.93% |
| Q4 2024 | 1.01% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.18% |
| Q4 2025 | 1.15% |
| Q1 2026 | 0.91% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $199.1M | 12.58% | 0.12% | 1.01% | 48.0% |
| Q1 2026 | 83 | $197.4M | 12.83% | 0.00% | 0.91% | 47.5% |
| Q4 2025 | 84 | $193.0M | 12.68% | 0.04% | 1.15% | 52.5% |
| Q3 2025 | 84 | $194.1M | 12.87% | 0.05% | 1.18% | 50.5% |
| Q2 2025 | 84 | $191.5M | 13.05% | 0.09% | 1.20% | 49.5% |
| Q1 2025 | 85 | $190.9M | 12.92% | 0.10% | 1.26% | 48.5% |
| Q4 2024 | 82 | $187.3M | 12.71% | 0.01% | 1.01% | 48.7% |
| Q3 2024 | 81 | $188.0M | 12.47% | 0.02% | 0.93% | 48.2% |
| Q2 2024 | 78 | $193.3M | 12.23% | 0.05% | 0.76% | 43.6% |
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 |
|---|---|---|---|---|---|
| Peoples BankBank Lebanon, KY | 43 out of 100, Below average | $193.7M | 9.2% | 2.55% | vs |
| First & Peoples Bank and Trust CompanyBank Russell, KY | 27 out of 100, Low | $207.1M | 9.0% | 15.30% | vs |
| Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY | 84 out of 100, Strong | $208.1M | 10.4% | 0.00% | vs |
| Commercial BankBank West Liberty, KY | 65 out of 100, Moderate | $216.1M | 10.0% | 1.14% | vs |
| Citizens Bank & Trust Co. of JacksonBank Jackson, KY | 42 out of 100, Below average | $217.3M | 9.7% | 3.35% | vs |
| United Citizens Bank & Trust CompanyBank Campbellsburg, KY | 56 out of 100, Moderate | $219.3M | 10.0% | 1.78% | vs |
Deposit insurance
Is my money safe at Elkton Bank & Trust Company?
Yes. Elkton Bank & Trust Company is an FDIC-insured institution (FDIC certificate #12162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.1% of deposits ($49.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 29.72% (benchmark: 10%).
4 locations
Branches
Elkton Bank & Trust Company lists 3 offices in 2 cities. Most locations:
- Guthrie, KY (2)
- Elkton, KY (1)
Identity & history
Profile
- Legal name
- Elkton Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 12162
- RSSD ID
- 998648
- Primary regulator
- FDIC
- Holding company
- Elkton Bcorp Inc
- Established
- January 1, 1866
- Headquarters
- 30 Public Sq, Elkton, KY 42220
- Website
- elktonbankandtrust.com
- Employees
- 32
Quick answers
Elkton Bank & Trust Company: common questions
Is Elkton Bank & Trust Company FDIC insured?
Yes. Elkton Bank & Trust Company is an FDIC-insured institution (FDIC certificate #12162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Elkton Bank & Trust Company'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 Elkton Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #12162 in the FDIC failed bank list.
How many branches does Elkton Bank & Trust Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elkton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| United Southern BankBank Hopkinsville, KY | 81 out of 100, Strong | $353.7M | 12.7% | 0.37% | vs |
| Credit Union for Robertson CountyCredit union Springfield, TN | 80 out of 100, Strong | $85.3M | 13.1% | 0.59% | vs |
| Fortera Federal Credit UnionCredit union Clarksville, TN | 78 out of 100, Strong | $946.7M | 12.7% | 0.65% | vs |
| Altra Federal Credit UnionCredit union Onalaska, WI | 78 out of 100, Strong | $3.1B | 12.7% | 0.46% | vs |
| Planters Bank, Inc.Bank Hopkinsville, KY | 77 out of 100, Strong | $2.0B | 12.4% | 0.11% | vs |