B
Elkton Bank & Trust Company
ElktonKY
Rating Date
October 2025
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 7.90
Capitalization Index 8.60
Liquidity Index 2.60
Profitability Index 5.50
Stability Index 7.10
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 3.25%
5-Year Asset Growth 6.08%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.15%
Non-Performing Loans to Loans 0.01%
Balance Sheet Elkton Bank & Trust Company
Elkton, KY
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Total Assets 194.14M
Total Deposits 164.56M
Capital and Reserves Elkton Bank & Trust Company
Elkton, KY
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Capital 23.30M
Leverage Ratio 12.87
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio 27.69
Liquidity Elkton Bank & Trust Company
Elkton, KY
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Hot Money Ratio 17.02%
Liquidity Ratio 24.33%
Profitability Elkton Bank & Trust Company
Elkton, KY
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5-Year Return on Average Assets 1.01%
Net Income 1.69M
Net Interest Spread 3.54%
Operating Profit to Average Assets 1.44%
Overhead Efficiency Ratio 61.62%
Return on Assets 1.19%
Return on Equity 10.05%