Morgantown Bank & Trust Company, Incorporated
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Data as of · sourced from FFIEC call reports. How we update
Morgantown Bank & Trust Company, Incorporated is an FDIC-insured commercial bank headquartered in Morgantown, KY, established in 1880 (FDIC certificate 275), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $439.7M, up 6.0% from Q2 2025, the 47th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 11.44% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 275
- Headquarters
- Morgantown, KY
- Established
- 1880
- Total assets, Q2 2026
- $439.7M
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 11.44%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 083903742
- Latest call report
- Q2 2026, FFIEC 051 · Morgantown Bank & Trust Company, Incorporated call report
- Holding company
- MORGANTOWN DEPOSIT BANCORP, INC.
- Asset rank in state
- 47th of 120 in Kentucky
Morgantown Bank & Trust Company, Incorporated operates with a thinner capital cushion than most banks of its size. It reported $440 million in assets at June 30, 2026, up 6.0% from a year earlier. It funds 8.17% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also pays an average of 2.50% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Morgantown Bank & Trust Company, Incorporated reported a CET1 capital ratio of 11.44%, a return on assets of 0.86%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 2.76%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Morgantown Bank & Trust Company, Incorporated is the 47th largest of the 120 banks headquartered in Kentucky. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $439.7M, loans rose 3.2% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 50.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 11.8%. Its 7 offices in the FDIC Summary of Deposits are in Morgantown, KY, Bowling Green, KY and Beaver Dam, KY; its Morgantown 3 offices book 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, Morgantown Bank & Trust Company, Incorporated meets every capital ratio test for well capitalized.
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
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 1, 1880
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $385.7M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $33K
- Average total assets
- $440.4M
- Average total loans
- $347.4M
- Average interest-bearing deposits
- $328.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 275
- Fed RSSD
- 330949
- Website
- https://www.morgantownbank.com →
- Parent Holding Company
- MORGANTOWN DEPOSIT BANCORP, INC. (RSSD 1119217)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Morgantown Bank & Trust Company, Incorporated's total assets moved between a low of $302.0M (Q3 2023) and a high of $439.7M (Q2 2026) 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
$439.7M total assets against $414.9M; $405.8M total liabilities against $385.1M.
$352.0M net loans and leases against $321.9M; $385.7M total deposits against $356.4M.
$50.2M securities against $60.1M; $9.5M cash and balances due against $12.7M.
$6.2M total interest income against $5.7M; $2.5M total interest expense against $2.4M.
$3.7M net interest income against $3.3M.
$752K total noninterest income against $629K; $3.1M total noninterest expense against $2.6M.
$120K provision for credit losses against $146K.
$946K net income against $888K.
0.86% return on assets against 0.89%; 3.63% net interest margin against 3.45%.
11.44% CET1 capital ratio against 11.44%; 8.17% tier 1 leverage ratio against 8.18%.
Inside the full Morgantown Bank & Trust Company, Incorporated 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.
Morgantown Bank & Trust Company, Incorporated rankings
Its closest position to the top of a national ranking is 1,936 of 4,196, for total assets; its furthest is 1,857 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.57% (Q4 2024) to 0.89% (Q2 2025) and its net interest margin ran from 3.20% (Q4 2024) to 3.63% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.44% | 0.86% | 0.24% | 2.76% | 3.63% |
| Q1 2026 | 11.43% | 0.78% | 0.22% | 2.71% | 3.56% |
| Q4 2025 | 11.68% | 0.76% | 0.32% | 3.06% | 3.39% |
| Q3 2025 | 11.63% | 0.85% | 0.31% | 3.08% | 3.52% |
| Q2 2025 | 11.44% | 0.89% | 0.32% | 3.30% | 3.45% |
| Q1 2025 | 11.87% | 0.78% | 0.40% | 3.97% | 3.20% |
| Q4 2024 | 11.86% | 0.57% | 0.41% | 4.16% | 3.20% |
| Q3 2024 | 12.42% | 0.74% | 0.45% | 4.33% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Morgantown Bank & Trust Company, Incorporated (main office) | Morgantown , KY | 42261 | $258.9M |
| Thoroughbred Square | Bowling Green , KY | 42104 | $46.2M |
| Morgantown Road | Bowling Green , KY | 42101 | $30.2M |
| Beaver Dam Office Branch | Beaver Dam , KY | 42320 | $23.9M |
| Rich Pond Office Branch | Bowling Green , KY | 42101 | $18.0M |
| Morgantown Drive Thru | Morgantown , KY | 42261 | $8.6M |
| Highway 70 Branch | Morgantown , KY | 42261 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KY, rank 58 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 185 applications, 166 loans originated, $35.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $150K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Morgantown Bank & Trust Company, Incorporated
What are Morgantown Bank & Trust Company, Incorporated's total assets?
As of the Q2 2026 filing, Morgantown Bank & Trust Company, Incorporated reported total assets of $439.7 million in its FFIEC call report.
Where is Morgantown Bank & Trust Company, Incorporated headquartered?
It is headquartered in Morgantown, KY, United States.
When was Morgantown Bank & Trust Company, Incorporated founded?
It was established in 1880, per the FDIC institution directory.
Is Morgantown Bank & Trust Company, Incorporated FDIC-insured?
Yes. It 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.
What is Morgantown Bank & Trust Company, Incorporated's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.44% in its Q2 2026 call report, above regulatory requirements.
How many branches does Morgantown Bank & Trust Company, Incorporated operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Morgantown Bank & Trust Company, Incorporated's Texas Ratio?
Its Texas Ratio is 2.76% 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.
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