BlastPoint's Banking Scorecard
Elkton Bank & Trust Company
Micro
Specialty: Other
KY
FDIC cert 12162
Designations: ✓ Community bank
Elkton, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Elkton Bank & Trust Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 17.57% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$193.0M
+3.0% YoY
-0.6% QoQ
|
-$24.5M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$85.3M
+9.7% YoY
+2.6% QoQ
|
-$53.9M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$162.6M
+1.9% YoY
-1.2% QoQ
|
-$21.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.15%
+14.0% YoY
-2.0% QoQ
|
+0.07% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.53%
+9.1% YoY
+1.0% QoQ
|
-0.32% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
61.00%
-2.5% YoY
-1.0% QoQ
|
-6.72% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.04%
+198.2% YoY
-7.6% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
52.46%
+7.6% YoY
+3.8% QoQ
|
-22.07% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
26.88%
-5.7% YoY
-5.4% QoQ
|
+4.49% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.02%
+217.6% YoY
-4.7% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
26.42%
+2.8% YoY
-1.4% QoQ
|
+17.57% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.49%
+1.3% YoY
+34.2% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.42%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Tier 1 Capital Ratio
Current: 26.42% · Tier avg: 8.85%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.46% · Tier avg: 74.53%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.88% · Tier avg: 22.39%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
64
64th pctile
Efficiency Ratio
Current: 61.00% · Tier avg: 67.73%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
49
49th pctile
Total Assets
Current: $193.0M · Tier avg: $217.5M
49
49th pctile
Total Deposits
Current: $162.6M · Tier avg: $183.7M
36
36th pctile
Total Loans
Current: $85.3M · Tier avg: $139.2M
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
Top Weaknesses
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
36
36th pctile
Total Loans
Current: $85.3M · Tier avg: $139.2M
49
49th pctile
Total Deposits
Current: $162.6M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $193.0M · Tier avg: $217.5M
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
64
64th pctile
Efficiency Ratio
Current: 61.00% · Tier avg: 67.73%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.88% · Tier avg: 22.39%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.46% · Tier avg: 74.53%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.42% · Tier avg: 8.85%