Bank of Edmonson County
Brownsville, KY · Cert 296 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Edmonson Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$283.4MAssets
$204.7MLoans
$242.7MDeposits
$26.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 79% of banks under $1B in assets operating in a single state (rank 159 of 746).
- Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets operating in a single state (rank 628 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.32%
Rank 241 of 746
Net Interest Margin
3.46%
Rank 466 of 746
Efficiency Ratio
56.35%
Rank 203 of 746
Equity / Assets
9.24%
Rank 526 of 746
Non-interest income vs. expense
Unfavorable gap of $5.2M · efficiency ratio beats 73% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 0.72% | 1.06% | 1.45% | Beats 68% | 241 / 746 | | |
| Return on Equity | 14.26% | 6.74% | 10.51% | 13.63% | Beats 79% | 159 / 746 | | |
| Net Interest Margin | 3.46% | 3.17% | 3.68% | 4.16% | Beats 38% | 466 / 746 | | |
| Efficiency Ratio | 56.35% | 55.74% | 64.58% | 75.47% | Beats 73% | 203 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.66% | 0.09% | 0.42% | 1.07% | Beats 16% | 628 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 46% | 400 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 16.81% | 11.55% | 13.75% | 17.60% | Beats 71% | 214 / 746 | | |
| Total Risk-Based Capital Ratio | 17.96% | 11.71% | 14.33% | 18.43% | Beats 73% | 201 / 746 | | |
| Equity / Assets | 9.24% | 8.90% | 10.51% | 13.06% | Beats 29% | 526 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.34% | 61.31% | 78.27% | 90.78% | 64th pctl | 270 / 746 | | |
| Loans / Assets | 72.24% | 53.60% | 66.97% | 76.08% | 64th pctl | 272 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |