Monticello Banking Company
BankRegReports is independent of Monticello Banking Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Monticello Banking Company is an FDIC-insured commercial bank headquartered in Monticello, KY, established in 1895 (FDIC certificate 292), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.07B, down 7.9% from Q2 2025, the 16th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 292
- Headquarters
- Monticello, KY
- Established
- 1895
- Total assets, Q2 2026
- $1.07B
- Assets vs Q2 2025
- -7.9%
- Tier 1 leverage ratio, Q2 2026
- 10.17%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 083902581
- Latest call report
- Q2 2026, FFIEC 051 · Monticello Banking Company call report
- Holding company
- MONTICELLO BANKSHARES, INC.
- Asset rank in state
- 16th of 120 in Kentucky
Monticello Banking Company, based in Monticello, Kentucky, reported $1.1 billion in assets at June 30, 2026, down 7.9% from a year earlier. It shrank its loan book 8.0% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also carries problem assets equal to 0.8% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter slipped 14% from a year earlier, to $2.7 million. Over the same year, loans shrank 8.0% and deposits shrank 4.0%. Costs are the weak spot: it spends about 68 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Monticello Banking Company reported a return on assets of 0.97%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.82%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Monticello Banking Company is the 16th largest of the 120 banks headquartered in Kentucky. From Q1 2026 to Q2 2026, its total assets fell 2.4% to $1.07B, loans fell 1.7% and deposits fell 2.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.8% of total loans, followed by non-owner-occupied commercial real estate loans at 16.6%. Its 21 offices in the FDIC Summary of Deposits are in 15 cities in KY; its Monticello 4 offices book 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Monticello Banking Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 50 N Main St, Monticello, KY 42633
- County
- Wayne
- Metro Area
- Somerset, KY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1895
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 207
- Domestic deposits
- $924.3M
- Allowance for credit losses
- $9.2M
- Net charge-offs (YTD)
- $36K
- Average total assets
- $1.10B
- Average total loans
- $778.5M
- Average interest-bearing deposits
- $905.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 292
- Fed RSSD
- 266945
- Website
- mbcbank.com →
- Parent Holding Company
- MONTICELLO BANKSHARES, INC. (RSSD 1097922)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Monticello Banking Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Monticello Banking Company's total assets moved between a low of $1.07B (Q2 2026) and a high of $1.20B (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.07B total assets against $1.16B; $975.4M total liabilities against $1.07B.
$765.3M net loans and leases against $832.3M; $924.3M total deposits against $962.6M.
$207.3M securities against $222.1M; $23.4M cash and balances due against $26.9M.
$13.7M total interest income against $14.7M; $4.2M total interest expense against $5.5M.
$9.4M net interest income against $9.2M.
$1.5M total noninterest income against $1.4M; $7.6M total noninterest expense against $6.8M.
$0 provision for credit losses against $0.
$2.7M net income against $3.1M.
0.97% return on assets against 1.03%; 3.71% net interest margin against 3.32%.
10.17% tier 1 leverage ratio against 9.87%.
Inside the full Monticello Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Monticello Banking Company rankings
Its closest position to the top of a national ranking is 976 of 4,196, for total assets; its furthest is 2,783 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q3 2024) to 1.29% (Q4 2025) and its net interest margin ran from 2.88% (Q3 2024) to 3.71% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.17% | 0.97% | 0.11% | 0.82% | 3.71% |
| Q1 2026 | 10.25% | 0.93% | 0.15% | 1.08% | 3.55% |
| Q4 2025 | 9.84% | 1.29% | 0.32% | 2.47% | 3.53% |
| Q3 2025 | 9.57% | 1.01% | 0.40% | 3.35% | 3.42% |
| Q2 2025 | 9.87% | 1.03% | 0.10% | 0.81% | 3.32% |
| Q1 2025 | 9.77% | 0.88% | 0.13% | 1.10% | 3.18% |
| Q4 2024 | 9.62% | 1.03% | 0.11% | 0.94% | 3.05% |
| Q3 2024 | 9.38% | 0.67% | 0.15% | 1.28% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Highway 90 Branch | Monticello , KY | 42633 | $235.2M |
| Somerset North Branch | Somerset , KY | 42501 | $135.7M |
| Mound Branch | Harlan , KY | 40831 | $82.3M |
| Clinton County Branch | Albany , KY | 42602 | $62.0M |
| Downtown Branch | Monticello , KY | 42633 | $54.6M |
| Somerset South Branch | Somerset , KY | 42501 | $49.2M |
| Village Center Branch | Harlan , KY | 40831 | $44.0M |
| The Monticello Banking Company | Monticello , KY | 42633 | $40.8M |
| Tradeway Branch | Monticello , KY | 42633 | $35.5M |
| Danville Bluegrass Branch | Danville , KY | 40422 | $34.0M |
| Russell County Branch | Russell Springs , KY | 42642 | $30.8M |
| Casey County Branch | Liberty , KY | 42539 | $26.5M |
| Cave Mill Road Branch | Bowling Green , KY | 42104 | $22.1M |
| Bowling Green - Heartland Branch | Bowling Green , KY | 42103 | $17.2M |
| Glasgow Branch | Glasgow , KY | 42141 | $13.5M |
| Beaumont Branch | Lexington , KY | 40513 | $12.1M |
| Nicholasville Branch | Nicholasville , KY | 40356 | $8.4M |
| Richmond Branch | Richmond , KY | 40475 | $6.7M |
| London Branch | London , KY | 40741 | $6.3M |
| Hurstbourne Branch | Louisville , KY | 40223 | $4.6M |
| Frankfort Branch | Frankfort , KY | 40601 | $2.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 8, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 8, 2018 | Structure Change | Acquired Bluegrass Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 18, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 18, 2017 | Structure Change | Acquired The Bank of Harlan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 9, 2002 | Structure Change | Acquired Bank of Clinton County, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 20, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in KY, rank 27 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Monticello Banking Company’s latest filed figures and updates each quarter.
Similar banks
Compare Monticello Banking Company with peers
Frequently asked about Monticello Banking Company
What are Monticello Banking Company's total assets?
As of the Q2 2026 filing, Monticello Banking Company reported total assets of $1.07 billion in its FFIEC call report.
Where is Monticello Banking Company headquartered?
It is headquartered in Monticello, KY, United States.
When was Monticello Banking Company founded?
It was established in 1895, per the FDIC institution directory.
Is Monticello Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Monticello Banking Company?
Monticello Banking Company's primary federal regulator is the Federal Reserve.
How many branches does Monticello Banking Company operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Monticello Banking Company's Texas Ratio?
Its Texas Ratio is 0.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Monticello Banking Company.
Get an email when Monticello Banking Company files its next call report, and benchmark it against any peer you choose.
Unlock Monticello Banking Company, freeFree account