Compared with Kentucky
10 of 15
compared fees are above the median.
2 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
80th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 15 compared; 2 below, 3 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for Elkton Bank & Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Elkton Bank & Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.8% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (80th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $71K in Q2 2026, 9.2% above the same quarter a year earlier ($65K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 15 compared published fees sit above the Kentucky median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kentucky medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 6.6% from Q3 2025 to Q2 2026, to $71K. Its share of revenue, 3.8%, is above the 2.1% median for banks with under $300M in assets.
$71K
Elkton Bank & Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Elkton Bank & Trust Company · $199M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Elkton Bank & Trust Company(this institution) | Elkton, KY | $199M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Bank 21 | Carrollton, MO | $202M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Commerce | Chelsea, OK | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Delight | Delight, AR | $201M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chelsea Savings Bank | Belle Plaine, IA | $197M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Citizens State Bank | Sheldon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fidelity Bank | Savanna, IL | $199M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frederick Community Bank, The | Paxton, IL | $196M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gouverneur Savings and Loan Association | Gouverneur, NY | $199M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Horizon Financial Bank | Munich, ND | $201M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Liberty Bank | Liberty, IL | $194M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lineage Bank | Franklin, TN | $198M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lyons Federal Bank | Lyons, KS | $198M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnstar Bank National Association | Lake Crystal, MN | $204M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mount Vernon Bank and Trust Company | Mount Vernon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Haven Bank | New Haven, CT | $200M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northern Interstate Bank, N. A. | Norway, MI | $194M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oklahoma Capital Bank | Tulsa, OK | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| PeoplesTrust Bank | Hamilton, AL | $201M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Simmesport State Bank | Simmesport, LA | $198M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank & Trust Co. | Nevada, IA | $198M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers State Bank | Quinton, OK | $194M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The First National Bank of Absecon | Absecon, NJ | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First National Bank of Dryden | Dryden, NY | $204M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Groton | Groton, NY | $204M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| THE SEILING STATE BANK | Seiling, OK | $195M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $9, against a peer median of $5 among 11 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Elkton Bank & Trust Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $71K | −$5K | −6.6% |
| Q1 2026 | $76K | +$1K | +1.3% |
| Q4 2025 | $75K | −$1K | −1.3% |
| Q3 2025 | $76K | +$11K | +16.9% |
| Q2 2025 | $65K | +$9K | +16.1% |
| Q1 2025 | $56K | −$7K | −11.1% |
| Q4 2024 | $63K | −$1K | −1.6% |
| Q3 2024 | $64K | +$8K | +14.3% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Elkton Bank & Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Elkton Bank & Trust Company by share.
Amounts from Elkton Bank & Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per month
per item
per item
per item
per item
per item
per item
per month
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Low monthly service fee: Personal | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Any new account closed within 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account reconciliation and research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Legacy Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Return Mail Fee | $10Not compared: Per-item charge, not monthly | per item | None |
ATM & Card | |||
| ATM withdrawal at other banks | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Contactless Debit Card Replacement: Standard Card | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement: Specialty Card | $13Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer FRB Incoming Wire | $30Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International wire transfer: Outgoing | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment/Zero hold Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing (non-customers) | 2%($10 minimum) | per item | None |
| Check Cashing (non-customers) (audience not stated, treated as personal) | 2%($10 minimum) | per item | None |
Digital & Electronic | |||
| Bill Pay (Monthly) | $6Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Coin Counting (non-customers) | 5%($3 minimum) | Not stated | None |
| Coin Counting (non-customers) (audience not stated, treated as personal) | 5%($3 minimum) | Not stated | None |
| Credit / Debit Card Cash Advance | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Night Depository Fee Extra Key | $25Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| 10x10= | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3X10= | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3X5= | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3X5=$20.003X10=$30.005X10=$50.0010x10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5X10= | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box rental annual fee rent charged to checking account | $5Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy/Garnishment Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Snapshot Statement Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Special Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Any new account closed within 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account reconciliation and research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail Fee | $10Not compared: Per-item charge, not monthly | per item | None |
ATM & Card | |||
| ATM withdrawal at other banks | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Contactless Debit Card Replacement: Standard Card | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement: Specialty Card | $13Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer FRB Incoming Wire | $30Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International wire transfer: Outgoing | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment/Zero hold Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing (non-customers) | 2%($10 minimum) | per item | None |
Digital & Electronic | |||
| Bill Pay (Monthly) | $6Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Business Online: Business Bill Pay | $5 | Not stated | None |
Cash & Deposit | |||
| Coin Counting (non-customers) | 5%($3 minimum) | Not stated | None |
| Credit / Debit Card Cash Advance | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Night Depository Fee Extra Key | $25Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| 10x10= | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3X10= | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3X5= | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3X5=$20.003X10=$30.005X10=$50.0010x10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5X10= | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box rental annual fee rent charged to checking account | $5Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy/Garnishment Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Snapshot Statement Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Special Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Elkton Bank & Trust Company operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $168.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $168.5M |
Largest competitors nearby
Local market: Todd county, KY, where it holds the most deposits.
| 2 in its local market | Deposit share |
|---|---|
| United Southern Bank | 36.8% |
| First Financial Bank, National Association | 11.6% |
This bank holds 51.6% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.