Bank Comparison
Morgantown Bank & Trust Company, Incorporated vs Town & Country Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Morgantown Bank & Trust Company, Incorporated | Town & Country Bank and Trust Company |
|---|---|---|
| CET1 Ratio | 11.43% | — |
| Tier 1 Capital Ratio | 11.43% | — |
| Total Capital Ratio | 12.25% | — |
| Tier 1 Leverage Ratio | 8.20% | 12.69% |
| Equity / Assets | 7.58% | 11.86% |
Profitability
| Metric | Morgantown Bank & Trust Company, Incorporated | Town & Country Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.78% | 1.27% |
| Return on Equity (ROE) | 10.19% | 10.63% |
| Net Interest Margin (NIM) | 3.56% | 4.45% |
| Yield on Earning Assets | 6.00% | 5.13% |
| Cost of Funds | 2.50% | 0.74% |
Asset quality
| Metric | Morgantown Bank & Trust Company, Incorporated | Town & Country Bank and Trust Company |
|---|---|---|
| Texas Ratio | 2.96% | 9.07% |
| Non-Performing Loan Ratio | 0.25% | 1.75% |
| Non-Performing Asset Ratio | 0.24% | 1.14% |
| Net Charge-Off Ratio | 0.01% | 0.03% |
| ACL / Loans | 0.69% | 1.07% |
Balance sheet
| Metric | Morgantown Bank & Trust Company, Incorporated | Town & Country Bank and Trust Company |
|---|---|---|
| Total Assets | $434,974K | $432,103K |
| Total Deposits | $382,022K | $377,873K |
| Total Loans | $343,383K | $281,962K |
| Total Equity | $32,991K | $51,253K |
| Net Income (quarter) | $833 | $1,358K |
Liquidity & funding
| Metric | Morgantown Bank & Trust Company, Incorporated | Town & Country Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 89.89% | 74.62% |
| Core Deposit Ratio | 89.39% | 98.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Morgantown Bank & Trust Company, Incorporated | Town & Country Bank and Trust Company |
|---|---|---|
| Headquarters City | MORGANTOWN | BARDSTOWN |
| Headquarters State | KY | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 5 |
| Employees (FTE) | 70 | 87 |
| Established | Sept. 1, 1880, midnight | Sept. 9, 1907, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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