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Monticello Banking Company Locations & Branches Monticello, Kentucky
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Monticello Banking Company operates 21 branches from its headquarters in Monticello, KY, .
Monticello Banking Company branch network
All 21 branches are in KENTUCKY, across 15 cities. Monticello, KY has the most of its branches, 4. Its largest office by deposits is the Highway 90 Branch office in Monticello, KY, with $235.2M (25.4% of its branch deposits). On June 30, 2025 it had 20 branches, 1 fewer than in 2026.
Monticello Banking Company at a glance
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.
- Total assets, Q2 2026
- $1.07B
- Tier 1 leverage ratio, Q2 2026
- 10.17%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1895
Full financial profile · Is Monticello Banking Company safe? · Monticello Banking Company call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Monticello, KY (4 branches) | 1 of 4 | 71.8% | $366.1M |
| State: KY (21 branches) | 27 of 152 | 0.7% | $924.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
Monticello Banking Company's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Wayne, KY (4 branches) | 1 of 4 | 71.8% | $366.1M | $510.2M |
| Pulaski, KY (2 branches) | 4 of 12 | 9.8% | $184.8M | $1.89B |
| Harlan, KY (2 branches) | 2 of 5 | 23.6% | $126.3M | $534.5M |
| Clinton, KY (1 branch) | 3 of 3 | 23.5% | $62.0M | $263.5M |
| Warren, KY (2 branches) | 16 of 22 | 1.0% | $39.3M | $3.99B |
| Boyle, KY (1 branch) | 7 of 9 | 3.3% | $34.0M | $1.05B |
| Russell, KY (1 branch) | 4 of 7 | 4.3% | $30.8M | $716.6M |
| Casey, KY (1 branch) | 3 of 3 | 6.1% | $26.5M | $432.4M |
| Barren, KY (1 branch) | 9 of 9 | 1.2% | $13.5M | $1.12B |
| Fayette, KY (1 branch) | 27 of 31 | 0.1% | $12.1M | $12.02B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Somerset, KY (2 branches) | 4 of 12 | 9.8% | $184.8M | $1.89B |
| Bowling Green, KY (2 branches) | 17 of 22 | 0.8% | $39.3M | $4.84B |
| Danville, KY (1 branch) | 8 of 11 | 2.3% | $34.0M | $1.47B |
| Lexington-Fayette, KY (2 branches) | 30 of 36 | 0.1% | $20.5M | $16.02B |
| Glasgow, KY (1 branch) | 9 of 9 | 1.0% | $13.5M | $1.34B |
| Richmond-Berea, KY (1 branch) | 16 of 18 | 0.3% | $6.7M | $2.17B |
| London, KY (1 branch) | 11 of 12 | 0.2% | $6.3M | $2.60B |
| Louisville-Jefferson County, KY-IN (1 branch) | 39 of 39 | <0.1% | $4.6M | $46.36B |
| Frankfort, KY (1 branch) | 15 of 16 | 0.2% | $2.8M | $1.57B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 292) · FFIEC NIC profile (RSSD 266945)