KY lenders / Community Bank
Elkton Bank & Trust Company
Community Bank · Elkton, KY · Elkton Bcorp Inc
- Total assets
- $197.4M
- CRE loan book
- $29.8M
- QoQ CRE growth
- -18.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.55% as of Q1 2026 — TX bank median 4.87% (1.68pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.55% | 6.93% |
| Q4 2025 | 6.87% | 7.25% |
| Q3 2025 | 6.90% | 7.36% |
| Q2 2025 | 6.64% | 7.12% |
| Q1 2025 | 6.48% | 7.00% |
| Q4 2024 | 6.55% | 7.08% |
| Q3 2024 | 6.52% | 7.20% |
| Q2 2024 | 6.42% | 7.15% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $29.8M | $5.7M | $13.6M | 106% | $0 |
| Q4 2025 | $36.4M | $10.1M | $13.7M | 129% | $0 |
| Q3 2025 | $35.4M | $8.8M | $13.8M | 124% | $0 |
| Q2 2025 | $34.7M | $7.3M | $13.0M | 123% | $0 |
| Q1 2025 | $33.1M | $9.0M | $11.4M | 118% | $0 |
| Q4 2024 | $32.2M | $10.4M | $9.1M | 118% | $0 |
| Q3 2024 | $30.1M | $10.2M | $7.1M | 110% | $0 |
| Q2 2024 | $27.0M | $7.0M | $7.1M | 100% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.