Edmonton State Bank
Total assets
$1.15B
▲ +4.2% YoY
Deposits
$1.00B
▲ +3.9% YoY
Loans
$917.8M
▲ +10.4% YoY
Offices
18
EDMONTON BANCSHARES INC
ROA (annualized)
2.44%
peers 1.26%
ROE (annualized)
20.66%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Edmonton State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.5% | -1.2 pts |
| Deposit growth (YoY) | +3.9% | +5.1% | -1.2 pts |
| Loan growth (YoY) | +10.4% | +5.9% | +4.4 pts |
| ROA | 2.44% | 1.26% | +1.2 pts |
| ROE | 20.7% | 12.2% | +8.5 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
Profile
- Established
- 1899
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- EDMONTON BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 909 W Main St, Glasgow, KY, 42141
- County
- Barren
- Metro area
- Glasgow, KY
- Offices
- 18
- FDIC cert #
- 9678
- RSSD ID
- 845247
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.15B | $1.00B | $917.8M | $138.8M | $14.1M | 2.44% | 4.80% | 0.26% |
| Q1 2026 | $1.17B | $1.02B | $893.1M | $137.5M | $7.2M | 2.50% | 4.70% | 0.23% |
| Q4 2025 | $1.14B | $984.4M | $867.6M | $132.3M | $26.6M | 2.44% | 4.80% | 0.19% |
| Q3 2025 | $1.12B | $978.5M | $858.1M | $134.1M | $19.8M | 2.46% | 4.76% | 0.15% |
| Q2 2025 | $1.11B | $963.1M | $831.5M | $130.5M | $12.5M | 2.37% | 4.75% | 0.10% |
| Q1 2025 | $1.09B | $946.5M | $833.4M | $129.9M | $6.2M | 2.38% | 4.68% | 0.07% |
| Q4 2024 | $979.7M | $838.6M | $820.2M | $124.1M | $23.0M | 2.27% | 4.81% | 0.12% |
| Q3 2024 | $1.05B | $915.0M | $812.4M | $125.7M | $17.3M | 2.26% | 4.73% | 0.10% |
Loan mix (Q2 2026): real estate $803.6M · commercial $47.8M · consumer $61.3M · securities $56.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Edmonton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.44% | 1.26% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 20.7% | 12.2% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.70% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.9% | 59.0% | 14th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Edmonton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Edmonton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Edmonton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Edmonton State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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