FDIC Cert #9678 · Glasgow, Kentucky · Est. 1899

Edmonton State Bank - FDIC Bank Health Profile

A community-scale look at Edmonton State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
A
Health grade · Excellent
2.44%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

Edmonton State Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 10.91% Tier 1, profitable at 2.44% ROA, efficient (46% cost ratio).

#933
largest of 4,313 FDIC banks by assets
78th
percentile by asset size, nationally
10.91%
Tier 1 ratio - above the 10% well-capitalized line
96th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 9678 · KY A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #902/4307
  • PHOTO-FINISH Bank of Holyrood · KS
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-STRONG 2.44% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: Bank of Holyrood, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Edmonton State Bank

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Adams State Bank · NE · near88/100Bank of Holyrood · KS · near88/100Capital City Bank · FL · near88/100Edmonton State Bank · KY · t…88/100Midwest Bank · MN · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Edmonton State Bank · July 2026

What Edmonton State Bank's Call Report plate shows

Edmonton State Bank (FDIC Cert #9678) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #902 of 4,307. Tier 1 capital prints at 10.91%, clearing the 10% well-capitalized line. The Texas Ratio is 1.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.44%. Balance-sheet scale is $1.1B, 933rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Holyrood (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Edmonton State Bank

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

Edmonton State Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Edmonton State Bank remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How Edmonton State Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Edmonton State Bank's composite health score
Tier 1 Capital Ratio (10.91%) 28/40
Return on Assets (ROA) (2.44%) 25/25
Texas Ratio (1.50%) 20/20
Efficiency Ratio (46.32%) 15/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$984M

Customer-funded liabilities

Net Loans

$868M

Outstanding loan book

Net Income

$27M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.51% 10.91% 12.31%
Basel III capital ratios - Edmonton State Bank

Where Edmonton State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Edmonton State Bank's score of 88/100 falls in the highlighted band.

Edmonton State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 21% higher than 79% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Edmonton State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Edmonton State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Edmonton State Bank's $1.1B falls in the highlighted band.

Safety ratios for Edmonton State Bank

Tier 1 capital ratio
Well-capitalized 10%

10.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.91%
Texas Ratio
1.50%
Equity Capital
$132M

What these ratios mean →

Earnings posture at Edmonton State Bank

Return on Assets (ROA)
96th percentile nationally
2.44%
Return on Equity (ROE)
20.40%
Efficiency Ratio
46.32%

What these mean →

Income & expense at Edmonton State Bank

$66M
Interest Income
$8M
Non-Interest Income
$28M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Edmonton State Bank reports a Texas Ratio of 1.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Edmonton State Bank on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Kentucky so the neighborhood is not state containment.

Helm Bank USA $1.1B · FL Pacific Coast Bankers' Bank $1.1B · CA The Federal Savings Bank $1.1B · IL First Federal Bank of Louisiana $1.1B · LA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Edmonton State Bank (FDIC Cert #9678) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Edmonton State Bank Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%