Elkton Bank & Trust Company is a bank based in Elkton, Kentucky, established in 1866, with $197 million in total assets across 4 branches. By Trust Grade it ranks 39th of 120 banks we track in Kentucky. Its capital ratio of 12.0% is stronger than 72% of similarly sized banks, versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 0.91% return on assets. No consumer complaints against Elkton Bank & Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Elkton Bank & Trust Company compares to Kentucky peers
How we graded Elkton Bank & Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.0% capital ratio)
- Profitable (ROA 0.91%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Elkton Bank & Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 124 W Park Street, Guthrie, KY 42234
- 202 S Main St, Elkton, KY 42220
- 10275 Russellville Rd, Guthrie, KY 42234
- 30 Public Sq, Elkton, KY 42220
Are deposits at Elkton Bank & Trust Company insured?
Yes. Elkton Bank & Trust Company is an FDIC-insured bank (FDIC certificate #12162). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Elkton Bank & Trust Company: frequently asked questions
Is Elkton Bank & Trust Company a good bank?
Elkton Bank & Trust Company earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (12.0% capital ratio); Profitable (ROA 0.91%).
Is Elkton Bank & Trust Company FDIC-insured?
Yes. Elkton Bank & Trust Company is a FDIC-insured bank (FDIC certificate #12162). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Elkton Bank & Trust Company?
Elkton Bank & Trust Company holds $197 million in total assets, ranking 39th of 120 banks we track in Kentucky. It operates 4 branches.
Does Elkton Bank & Trust Company have CFPB complaints?
No CFPB complaints against Elkton Bank & Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
