Edmonton State Bank
Glasgow, KY · Cert 9678 · Peer group: banks $1B-$10B in assets (n=322-328) · Edmonton Bancshares Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
$1.2BAssets
$928.1MLoans
$1.0BDeposits
$138.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks $1B-$10B in assets (rank 22 of 328).
- Widest gap: total risk-based capital ratio trails 86% of banks $1B-$10B in assets (rank 281 of 328).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.97%
Rank 26 of 328
Net Interest Margin
4.67%
Rank 22 of 328
Efficiency Ratio
49.42%
Rank 65 of 328
Equity / Assets
12.04%
Rank 81 of 328
Non-interest income vs. expense
Unfavorable gap of $21.9M · efficiency ratio beats 80% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.97% | 0.91% | 1.22% | 1.52% | Beats 92% | 26 / 328 | |
| Return on Equity | 16.38% | 8.43% | 11.45% | 14.43% | Beats 87% | 44 / 328 | |
| Net Interest Margin | 4.67% | 3.03% | 3.45% | 3.83% | Beats 93% | 22 / 328 | |
| Efficiency Ratio | 49.42% | 51.61% | 59.56% | 67.53% | Beats 80% | 65 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.24% | 0.51% | 1.03% | Beats 67% | 108 / 322 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 80% | 66 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.47% | 11.75% | 13.15% | 15.47% | Beats 23% | 254 / 328 | |
| Total Risk-Based Capital Ratio | 11.47% | 12.63% | 14.15% | 16.46% | Beats 14% | 281 / 328 | |
| Equity / Assets | 12.04% | 9.15% | 10.33% | 12.01% | Beats 75% | 81 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 92.79% | 76.63% | 87.92% | 95.36% | 68th pctl | 103 / 323 | |
| Loans / Assets | 80.52% | 65.18% | 74.15% | 79.98% | 77th pctl | 75 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |