BanksMORGANTOWN BANK & TRUST COMPANY, INCORPORATED

MORGANTOWN BANK & TRUST COMPANY, INCORPORATED

MORGANTOWN, KYSmallEst. Sept. 1, 1880, midnightFDIC #275RSSD #330949FDIC
Latest · 2025-12-31

MORGANTOWN BANK & TRUST COMPANY, INCORPORATED is an FDIC-insured commercial bank headquartered in MORGANTOWN, KY, established in Sept. 1, 1880, midnight. As of 2025-12-31, the bank reported total assets of $422M and total deposits of $370M. Profitability stands at 0.77% ROA and 10.16% ROE, with a net interest margin of 3.51%. CET1 capital ratio: 11.68%, well above regulatory minimums. NPL ratio: 0.32% · Texas Ratio: 3.06%. Operates 7 domestic branches.

Assets
$422M
Deposits
$370M
Loans
$334M
Equity
$32M

Profitability

Return on Assets (ROA)0.77%
Return on Equity (ROE)10.16%
Net Interest Margin3.51%
Yield on Assets6.27%
Cost of Funds2.77%

Asset Quality

NPL Ratio0.32%
Net Charge-Off Ratio0.00%
Texas Ratio3.06%
NPA Ratio0.25%
ACL / Loans0.69%

Capital & Liquidity

CET1 Ratio11.68%
Tier 1 Capital11.68%
Total Capital Ratio12.51%
Leverage Ratio8.08%
Loan-to-Deposit90.26%

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