Morgantown Bank & Trust Company, Incorporated
Operating from Morgantown, KY, Morgantown Bank & Trust Company, Incorporated serves its local market as an FDIC-insured commercial bank. As of Q1 2026, the bank held approximately $435M in total assets and $382M in deposits. Earnings are mid-range — 0.78% ROA and a 3.56% net interest margin. Capital cushions are healthy: 11.43% CET1, 8.20% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.25%. 8 branches make up the footprint.
Headquarters Profile
- Address
- 202 N Main St, MORGANTOWN, KY 42261
- County
- Butler
- Metro Area
- BOWLING GREEN, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- September 1, 1880
- Branches
- 8 domestic
- Employees (FTE)
- 70
- FDIC Cert
- 275
- Fed RSSD
- 330949
- Parent Holding Company
- MORGANTOWN DEPOSIT BANCORP, INC. (RSSD 1119217)
Capital & Liquidity
Inside the full Morgantown Bank & Trust Company, Incorporated terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Morgantown Bank & Trust Company, Incorporated — freeThis is just Morgantown Bank & Trust Company, Incorporated's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Morgantown Bank & Trust Company, Incorporated rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Similar banks
Compare Morgantown Bank & Trust Company, Incorporated with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Morgantown Bank & Trust Company, Incorporated
What are Morgantown Bank & Trust Company, Incorporated's total assets?
As of the Q1 2026 filing, Morgantown Bank & Trust Company, Incorporated reported total assets of $435.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Morgantown Bank & Trust Company, Incorporated headquartered?
Morgantown Bank & Trust Company, Incorporated is headquartered in MORGANTOWN, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Morgantown Bank & Trust Company, Incorporated founded?
Morgantown Bank & Trust Company, Incorporated was established in 1880, per the FDIC institution directory.
Is Morgantown Bank & Trust Company, Incorporated FDIC-insured?
Yes. Morgantown Bank & Trust Company, Incorporated is an FDIC-insured commercial bank (FDIC Certificate #275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Morgantown Bank & Trust Company, Incorporated?
Morgantown Bank & Trust Company, Incorporated's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Morgantown Bank & Trust Company, Incorporated's CET1 capital ratio?
Morgantown Bank & Trust Company, Incorporated reported a Common Equity Tier 1 (CET1) capital ratio of 11.43% in its most recent quarterly filing — above regulatory minimums.
How many branches does Morgantown Bank & Trust Company, Incorporated operate?
Morgantown Bank & Trust Company, Incorporated operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Morgantown Bank & Trust Company, Incorporated's Texas Ratio?
Morgantown Bank & Trust Company, Incorporated's Texas Ratio is 2.96% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on Morgantown Bank & Trust Company, Incorporated.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required