Edmonton State Bank


909 West Main Street
Glasgow, KY 42141
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.40% 0.85% →
1-Year CD 1.00% 0.85% →
2-Year CD 1.26% 0.87% →
5-Year CD 1.26% 1.30% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Edmonton State Bank is an FDIC insured institution located in Glasgow, KY. It was founded in 1899 and has approximately $0.72 billion in assets. Customers can open an account at one of its 13 branches.

FDIC Insured Yes
FDIC Certificate # 9678
Date Established 1899
Assets $ 717.70 million
Loans $ 468.78 million
Deposits $ 614.85 million
Capital $ 89.46 million

For a more detailed analysis of Edmonton State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 21, 2022

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
0.40% $2,500 $4,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
1.00% $10,000 $14,999 Learn More
12 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
1.26% $10,000 $14,999 Learn More
24 Mo CD
1.26% $100,000 $199,999 Learn More
36 Mo CD
1.26% $10,000 $14,999 Learn More
36 Mo CD
1.26% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.26% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - January 21, 2022

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Edmonton State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
3.453% 3.375%
0.50 points
$2,568 fees
$1,106 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info

Note to Edmonton State Bank
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Climate Initiatives

Edmonton State Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Edmonton State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Edmonton State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Edmonton State Bank U.S. Bank Average
1.55% 4.33%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2021, Edmonton State Bank had $1,481,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $89,459,000 in equity and $6,294,000 in loans loss reserves. That gives it a Texas Ratio of 1.55%.

Return on Equity
Edmonton State Bank U.S. Bank Average
16.7% 11.13%

Edmonton State Bank has a Return on Equity of 16.7% versus the BestCashCow average of 11.13%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Edmonton State Bank U.S. Bank Average
12.46% 11.79%

Edmonton State Bank has a Capitalization of 12.46% versus the BestCashCow average of 11.79. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Edmonton State Bank Balance Sheet Analysis

As of September 30, 2021, Edmonton State Bank had assets of $717,704,000, loans of $468,776,000, and deposits of $614,849,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2021
Cash & Balances due from depository institutions $ 170.77 million
Interest-bearing balances $ 155.44 million
Total securities $ 55.40 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 468.78 million
Loan loss allowance $ 6.29 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.51 million
All other assets $ 4.45 million
     Total Assets $ 628.25 million
Total deposits $ 614.85 million
      Interest-bearing deposits $ 394.98 million
      Deposits held in domestic offices $ 614.85 million
      % insured (estimated) 88.66%
Federal funds purchased and repurchase agreements $ 2.70 million
Trading liabilities N.A.
Other borrowed funds $ 9.81 million
Subordinated debt N.A.
All other liabilities $ 0.89 million
      Total Liabilities $ 628.25 million
      Shareholders’ Equity $ 89.46 million

Summary Income Statement

September 30, 2021
Total Interest Income $ 18.83 million
Total Interest Expense $ 2.11 million
Net interest income $ 16.72 million
Provision for loan and lease losses $ 0.45 million
Total non interest income $ 6.56 million
Total non interest expense $ 11.92 million
Pre-tax Net Operating Income $ 10.91 million

Bank Loan Profile?

The top three loan types in Edmonton State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Kentucky, Edmonton State Bank has a significantly higher percent of Multifamily Mortgages, Consumer Auto Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.03
Credit Card Loans 0.00
Consumer Auto Loans 6.12
Small Business Loans 0.00
Construction and Development Loans 13.71
Commercial Real Estate 21.55
Commercial and Industrial Loans 8.91
Farm Loans 2.74

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