Bank of Edmonson County: how it compares with its peers
Against 66 KY banks with half to twice its assets, Bank of Edmonson County's strongest measure in Q2 2026 is return on assets (1.61% vs. a 1.32% peer median). Its weakest relative measure is net interest margin (3.72% vs. 4.00%).
| Measure | Bank of Edmonson County | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.32% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.72% | 4.00% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.35% | 59.38% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.1M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.50% | 82.35% | Context |
What it means for lending operations
Its efficiency ratio of 56.35% is better than the 59.38% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Farmers Bank Nicholasville, KY · $283M
- First Federal Savings Bank of Kentucky Frankfort, KY · $283M
- United Citizens Bank of Southern Kentucky Columbia, KY · $286M
- Hometown Bank of Corbin, Inc. Corbin, KY · $302M
- Bank of Jamestown Jamestown, KY · $264M
- Citizens Guaranty Bank Richmond, KY · $304M
Questions about Bank of Edmonson County
How big is Bank of Edmonson County?
Bank of Edmonson County, established in 1925, is headquartered in Brownsville, KY. It reported $283M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Edmonson County's return on assets?
1.61% annualized in Q2 2026, against a 1.32% median for 66 KY banks with half to twice its assets, ahead of 70% of them.
What is Bank of Edmonson County's efficiency ratio?
56.35% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 59.38%, and lower is better.
Is Bank of Edmonson County growing its loans?
Net loans grew 4.3% over the year to Q2 2026, while deposits shrank 2.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.