# EDMONTON STATE BANK
GLASGOW, KY · FDIC certificate 9678 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $1.15B | |
| Deposits | $1.00B | |
| Loans and leases | $928.1M | |
| Total equity | $138.8M | |
| Loans / deposits | 91.75% (p65 of band) | 87.10% |
| Liquid assets / assets | 15.96% (p27 of band) | |
| Uninsured deposits / deposits | 15.62% (p10 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.70% (p20 of band) | |
| FHLB advances / assets | 0.56% | |
| Tier 1 leverage | 11.47% (p69 of band) | 10.50% |
| Unrealized securities loss / equity | -0.60% (p91 of band) | -7.75% |
| AOCI / equity | -0.23% (p54 of band) | |
| ROA (annualized) | 2.44% (p95 of band) | 1.26% |
| Net interest margin | 4.80% (p93 of band) | 3.70% |
| Efficiency ratio | 45.91% (p15 of band) | |
| Noncurrent loans | 0.32% (p35 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p35 of band) | |
| Reserve coverage of noncurrent | 345.49% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 77.32% (p77 of band) | |
| Auto loans | $34.4M (3.71% of loans; DQ 0.97%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 193 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 | capital falling | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | charge-offs p90, deposits shrinking |  |
| 2023-06 | 0 |  | charge-offs p90, deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2023-05-24 [Edmonton State Bank and Sumner Bank & Trust announce merger - WNKY](https://news.google.com/rss/articles/CBMihgFBVV95cUxNYjhISElpazhkVDZ5dlVwSVA2bzlCdHBYbDZmZUNwdWo1bDgydzhLeWtlUWxwV3J6UkZnaTE4WENkMkJPcFphVDFhT0o0WlAtY1czYnozNlBKcjNXNlpXWm02ck1RRi04UTNqRWlLZTNHQVFueGttODJkWTBrdmctbnNhUnJEQQ?oc=5) · WNKY
- 2023-05-30 [Sumner Bank & Trust sold to Edmonton State Bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPRFRyLXh3OGtiWm9yeEQwa1FQWHA5WlZjRmFzVlg1SDNSaTk5c2lxRkZxeFF3YVhmRnBVZTRKbjRjYm5xM1M0RHlqVUJfa2p2Tnl3eHEzbnVZenlnSUlZTnB6NzdYX0lVLXJpeHJuR3NFQm9Ua0VsOGhHN2V2bi1GTnphQ2lzVVBxQXVnVS1zSVJwcC1IMGE5OU95VUEtTmxkQnZjcjZzVQ?oc=5) · The Business Journals
- 2024-02-16 [Edmonton State Bank Now Hiring Full-Time Teller - the edmonson voice](https://news.google.com/rss/articles/CBMikAFBVV95cUxNa3FfbklGN2xEYnhJcG9EbHRxMEttdTRNRENrelczOFY2SGNPY2ZLX1JMekV3V0VCTU9PbEtoR2VvYXRwUlU3UGNpa3d2SEczZV85cDVHeGZkc1RIS05pVmNVVEptNXB0eFgtLWNUY2hzZlF5ZlMzOF8yUm1rQ1ZyNEFaN1lJMHVUcTN5dG1YU2s?oc=5) · the edmonson voice
- 2020-02-08 [Obituary for Misty Cheryl (Graves) Smith - Goad Funeral Home](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9vUE9oQzYtZmdQTDloa3RoQUpPdkhSNjhITThTcEtCVGhfVjA1RFAxYTc4d2QzeURCUTdrTGRfWDZWTE1OY3pTcG9zVU50aU4xT2doTzZ3?oc=5) · Goad Funeral Home
- 2023-06-09 [Turtle takes a ride in the back of Kentucky police cruiser - upi.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQdnJwMGxScU1aZmY0YTZpWlBZTTlWODJxSklnaHRueDE0UHBzYnJ5YnZHN002aTRyV0tEX1VxaXlDbnpLOVl4RE5iMC1hdEJLWERIbWdVYnJ6REF0a0Y3eEhtVDNnTFhqd0NOejVXU1M5NEZ5QXAxYUw4OGxId3dTOUdCdzBFUXhEbGlURHpjNmxfTGhNZUhXTDVwaUTSAaIBQVVfeXFMUHdSaVhZYzJkOTBCWEExcnVleXJhc0dSNGZLaXJ0UFVoa1IzeTUtc0ZQdmdVZnRFa0xQNERMQVItczc5ZS1FNWZNRGRUdlBKZFc3Y2o0SnBhTW16aFIwemRoQjVSYnBnOFdpMGhCakR6d3VmV0NJMkx0NURpY20yeEFYaWFOM0QwOGZYN003RFFvRHFJNWZmOXRROTlXMHlhRkdn?oc=5) · upi.com
- 2024-01-16 [Donald Allen Reece - WCLU Radio](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9Sc2ZpcWFUVXBGbzlsZ2x3QjlHdDNNMlRCakRvSk9vd0xjRks4bTNQMHY4MWE2UlduNG1jelA3RUVTR2FWWmpBTjlncTNoSWxCTTFYOW5kMGxrY2NBYWZBb3dJVGJob0E?oc=5) · WCLU Radio
- 2025-12-17 [Operation Hornet Hoodies comes full circle - WNKY](https://news.google.com/rss/articles/CBMickFVX3lxTE5GRk16dE1uT0NENHFmRnQ3OE9TZzdhZ0JsWWEtZzlMMU9vS3E0anVVSDY4Qm9vLWdEQzBrd0pVRzVpTnBJNkhhWmlwcHNLM1l5aHB3RHcxVnJRNlRpck5JT0Iwa0JXd1pUNDcwbFkwbnRRUQ?oc=5) · WNKY
- 2025-05-14 [Bobby Cook Obituary (2025) - Shelbyville, KY - Shannon Funeral Service - Shelbyville - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFB5TTIwdGxLb3NGaXFPQTBFbGZGNVVxQjAtUnh3TmM2Z0NSZTY2aUota2FEcVl1TXk2MkcwZGJWOFVLbnFGRUNyYnpqekVNM0owOXJtR1NxSkFYalFVbmQzV1lXd2dFQkJvWVE1YklMM0k1ZVJiVmViWnBramlRQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9678 (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/14.json (key "9678", 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.

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