Side-by-side · Q2 2026 data
United Southern Bank vs Elkton Bank & Trust Company
Metric by metric
| Measure | United Southern Bank | Elkton Bank & Trust Company |
|---|---|---|
| TellerScore | 81 | 82 (stronger) |
| Capital cushion | 77 (stronger) | 76 |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 78 (stronger) | 61 |
| Funding & liquidity | 70 | 85 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 80th | 82nd |
| Total assets | $353.7M | $199.1M |
| Deposits / shares | $308.3M | $168.5M |
| Capital ratio | 12.66% (stronger) | 12.58% |
| Problem loans | 0.37% | 0.12% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 1.46% (stronger) | 1.01% |
| Loans ÷ deposits | 90.1% | 48.0% (stronger) |
| Uninsured deposits | 12.4% (stronger) | 29.1% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Elkton Bank & Trust Company has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 4 and Elkton Bank & Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Elkton, KY