Bank · FDIC insured
Elkton Bank & Trust Company
A $199.1M bank headquartered in Elkton, KY, with 4 branches in Kentucky.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings730.10%2.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Elkton Bank & Trust Company
Predecessor Bank of Elkton was organized and chartered in 1866, while The Farmers & Merchants' Bank opened in 1890.
In 1932, the two banks consolidated to form Elkton Bank & Trust Company, which later acquired Guthrie Bank in 1934.
- Headquarters
- 30 Public Sq, Elkton, KY 42220
- FDIC certificate
- 12162 ↗
Branches
4 branches in Kentucky
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Kentucky
4 branches
Elkton area · 2
- Elkton Bank & Trust CompanyMain office30 Public Sq, Elkton, KY 42220Directions
- Drive-In Branch Facility202 S Main St, Elkton, KY 42220Directions
Guthrie area · 2
- Guthrie Branch124 W Park Street, Guthrie, KY 42234Directions
- Guthrie Branch10275 Russellville Rd, Guthrie, KY 42234Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.58% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.12% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.01% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $48 | $81 | — |
- CapitalLeverage ratio12.58%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.12%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.01%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$48Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Elkton Bank & Trust Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.