B
Elkton Bank & Trust Company
Elkton,  KY
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Elkton Bank & Trust Company
Elkton, KY
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Rating B
Asset Quality Index 8.10
Capitalization Index 8.50
Liquidity Index 2.90
Profitability Index 4.30
Stability Index 7.20
Company Info Elkton Bank & Trust Company
Elkton, KY
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FDIC Number 12162
Phone Number (270) 265-9841
Website www.elktonbankandtrust.com
Asset Quality Elkton Bank & Trust Company
Elkton, KY
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1-Year Asset Growth 3.94%
5-Year Asset Growth 4.78%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.37%
Non-Performing Loans to Loans 0.00%
Balance Sheet Elkton Bank & Trust Company
Elkton, KY
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Total Assets 199.05M
Total Deposits 168.51M
Capital and Reserves Elkton Bank & Trust Company
Elkton, KY
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Capital 23.59M
Leverage Ratio 12.58
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio 29.72
Liquidity Elkton Bank & Trust Company
Elkton, KY
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Hot Money Ratio 17.77%
Liquidity Ratio 28.98%
Profitability Elkton Bank & Trust Company
Elkton, KY
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5-Year Return on Average Assets 1.05%
Net Income 997.00K
Net Interest Spread 3.40%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 67.17%
Return on Assets 1.01%
Return on Equity 8.49%