# BANK OF EDMONSON COUNTY
BROWNSVILLE, KY · FDIC certificate 296 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $283.4M | |
| Deposits | $242.7M | |
| Loans and leases | $204.7M | |
| Total equity | $26.2M | |
| Loans / deposits | 83.50% (p68 of band) | 73.59% |
| Liquid assets / assets | 24.67% (p31 of band) | |
| Uninsured deposits / deposits | 11.72% (p19 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.52% (p71 of band) | |
| FHLB advances / assets | 3.05% | |
| Tier 1 leverage | 10.57% (p33 of band) | 11.76% |
| Unrealized securities loss / equity | -17.23% (p27 of band) | -6.57% |
| AOCI / equity | 0.30% (p92 of band) | |
| ROA (annualized) | 1.61% (p73 of band) | 1.17% |
| Net interest margin | 3.72% (p39 of band) | 3.93% |
| Efficiency ratio | 56.35% (p26 of band) | |
| Noncurrent loans | 1.66% (p81 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p68 of band) | |
| Reserve coverage of noncurrent | 60.55% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 62.32% (p85 of band) | |
| Auto loans | $2.8M (1.37% of loans; DQ 2.18%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 4 | capital falling, noncurrent p90, uninsured deposits leaving |  |
| 2019-12 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2020-03 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 | capital falling |
| 2022-06 | 3 | construction >100% equity | charge-offs p90 |
| 2022-09 | 4 | reserve under noncurrent |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | capital falling, charge-offs p90 | AOCI drag >20% of equity, reserve under noncurrent |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 2 |  | charge-offs p90 |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2024-06 | 4 | capital falling | reserve under noncurrent |
| 2024-09 | 1 |  | securities losses >30% of equity, construction >100% equity, capital falling |
| 2024-12 | 4 | securities losses >30% of equity, reserve under noncurrent, construction >100% equity |  |
| 2025-03 | 2 |  | charge-offs p90, construction >100% equity |
| 2025-06 | 0 |  | securities losses >30% of equity, reserve under noncurrent |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 | reserve under noncurrent | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-23 [Bank of Edmonson County Announces Closing for Saturday, January 24, 2026 - the edmonson voice](https://news.google.com/rss/articles/CBMirwFBVV95cUxPdVpjVm9aVWRENWFjTjR6T1JLQnJXTVA3bVBLNnp4eG5iSGtiQTZpU0pERXIzV0JoOUNNQ01tUU80cE1fMFVYclZsVThtY3NJazRzUnV1RnBydm5mZHQ2U2lpUGk1MVZSZnQxVllzN2ptVHdva28temtnbkRLOHZzQjR4dS1OWGVuQ2wwUHNYd1ZKZTcxM0Y2OVJUT2VoU2x1RWVJNVZDTFdmcHRYb084?oc=5) · the edmonson voice
- 2026-02-24 [Two Local Women Elected to Bank of Edmonson Board of Directors - the edmonson voice](https://news.google.com/rss/articles/CBMipAFBVV95cUxNQXR5bzh4NHppNjRCVXhNRWo5and4SUsyZnFXZWRkSlNaUTQ3REFCU1lESWE5WkZrbWpnaVl5bDlMNkk4VktubTU1dmVVTm1LbzV3aG1hdVVSRXQ5Y0Y5SWVUZFcyLWRJajRaZzZBZURuVDhpZFYzUnpLTEFObG1DczlpZGE1aFBlYW5DYjNLdVZWMTdBaVdVYUNHZk8xekxxTmxuSw?oc=5) · the edmonson voice
- 2025-10-13 [Bank of Edmonson County Celebrates 100 Years in Business With Community Gathering - the edmonson voice](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOZlBrZGNuVDgtNlV6NFJFOEFVTTJac1dfVGpMSjlOT2pEMzVVR0xOel8zNHFCbGI4TDY1ZkRvd3VYU0lhNFhHRlZaM240RE9JWldnekZCelMtZUN3R3VZUzlGTjRzMy1Dc0pKSlRya3Fodnotd1JXc3pTRlZGT0pNU1Z2dzdoNUs4ak9odWhYWXJ4WVloTmNFNjhyU2VyQ2xMMF9xSTF0N2dDcmFKc2QtVTJxbVJmYTdh?oc=5) · the edmonson voice
- 2025-12-10 [Bank of Edmonson County, R&R Honored at 2025 Industrial Authority Dinner - the edmonson voice](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOejNIU3RjWnV3Y1NNUXdrelZTY2J5MG9HUnpZNWRBSlpuMjZOdWxVLVJYWnJhYk05dDdxSllueXQ2dWJaSHZhOXNBNkM1X29UV2h2MWViV0hzc0QyZ3kxYXdUeXVjdC1uQXNYOUhxUnc5TzZUTmJfTFRiNDI5bzBWbk04UUJaVkZiMTV2bHdZS1BJckFUakpNZWNIYUFuREF4QU81eXoyaFd3dw?oc=5) · the edmonson voice
- 2009-01-16 [Ulm-Coleman - Bowling Green Daily News](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5QdlNHYXlZaW9LZVJLN2kyYU1mVVM2RFJXcnA0LWR2OXlENFprZ2laemhmd2c5TDdUcUpDS2tFeHh3UUJvMTEtUVNsYjUyVFlGcG9zMmhhWDVwcUpTQ3c?oc=5) · Bowling Green Daily News
- 2025-10-04 [Bank of Edmonson Invites Public to Attend 100 Year Celebration - the edmonson voice](https://news.google.com/rss/articles/CBMipAFBVV95cUxNcmM3V1ZtRllVeFFBeDZBcXpqTk9wdWpicFM2WjVPSVdmczkybXZ2ZGZWR1RzOWlmQk5XbUFwdGJqLVM4M2dPVE1SRXRjcDBYRVZFRTBqNTRxMkR1ZjlTTW43alNTaVcydUpZWjVQYVNmdF9WU0dVX0lMalZqUmloWTV2WlJ3OGw4THRqSF9uRDNKTjlTZkx4NE5GOWNUQVROMkpjWg?oc=5) · the edmonson voice
- 2022-02-02 [Bank of Edmonson's Michelle Coleman Named To Federal Reserve Bank of St. Louis Council - the edmonson voice](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQV0ZHeE5yRWFHZG0tbHRCM01SQzJJMmp5cEhwQWlZWUg1SnR5NGRKb1VKWTAyTnFoa2MzcXdsWVRLZHFkdU5sWHJwOU9YZXBPVW1qamhpemJpaWdTaUZEX0NfTjBOMU5IbmY0dTJwVGhIb3pjaGpWTjlReVYtd1A4TWFSMGc0eU1WVFFteEZNZFdPNTZrZ3JRaU0zVlhYbllZNWQzenlYSDZpdkZLUUZwRGNJRGFXcHlIMTV5SHpfUVNZdw?oc=5) · the edmonson voice
- 2015-09-24 [Bank Of Edmonson County Opens Smiths Grove Branch - the edmonson voice](https://news.google.com/rss/articles/CBMijgFBVV95cUxObGdUcnplcEc5WmtCSnVyLUtVTUNMdFNHelhtMFhYZTUxaXdhMDZ1cDhaVFNab1FfZF9TcWtQVm5aUWxyenRWaGFkWWl1VTJYaUNhX2FnbjgzeHlSNjZuTHRUOFpQbThoY2VsVllJOGI4WGFfMUpqNEd4UjNJSWNPUFRkeGlRallDSV80bU9B?oc=5) · the edmonson voice

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=296 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "296", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide