MONTICELLO BANKING COMPANY

MONTICELLO, KY | Large | Est. Jan. 1, 1895, midnight | FDIC #292 | RSSD #266945 | FED
Latest Report: 2025-12-31

MONTICELLO BANKING COMPANY is aln large FDIC-insured commercial bank headquartered in MONTICELLO, KY, established in Jan. 1, 1895, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $939M. Profitability stands at 1.32% ROA and 16.28% ROE, with a net interest margin of 3.66%. The bank's CET1 capital ratio is 8.36%. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 2.47%. FDIC Certificate #292.

Assets

$1.1B

Deposits

$939M

Loans

$819M

Equity

$95M

Profitability

Return on Assets (ROA) 1.32%
Return on Equity (ROE) 16.28%
Net Interest Margin (NIM) 3.66%
Yield on Assets 5.63%
Cost of Funds 2.36%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.47%
NPA Ratio 0.23%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 8.36%
Tier 1 Capital 8.36%
Total Capital Ratio 8.78%
Leverage Ratio 9.84%
Loan-to-Deposit 87.29%

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