Elkton Bank & Trust Company


Elkton Bank & Trust Company is an FDIC insured institution headquartered at 30 Public Sq, Elkton, KY 42220.
It was founded in 1866 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - April 22, 2025

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12162
Date Established 1866
Assets $ 187.35 million
Loans $ 77.74 million
Deposits $ 159.50 million
Capital $ 21.30 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 26.30 million
Interest-bearing balances $ 23.21 million
Total securities $ 72.55 million
Federal funds sold and reverse repurchase $ 4.90 million
Net loans and leases $ 77.74 million
Loan loss allowance $ 0.79 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.12 million
     Total Assets $ 166.05 million

LIABILITIES
Total deposits $ 159.50 million
      Interest-bearing deposits $ 114.02 million
      Deposits held in domestic offices $ 159.50 million
      % insured (estimated)" 68.84%
Federal funds purchased and repurchase agreements $ 4.03 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.89 millionn
      Total Liabilities $ 166.05 million
      Shareholders’ Equity $ 21.30 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 8.64 million
Total Interest Expense $ 2.82 million
Net interest income $ 5.82 million
Provision for loan and lease losses $ 0.16 million
Total non interest income $ 0.90 million
Total non interest expense $ 4.20 million
Pre-tax Net Operating Income $ 0.99 million

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Branches

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Elkton Bank & Trust Company Locations