Morgantown Bank & Trust Company, Incorporated: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.01 percentage points higher than in Q1 2026, at 91.90%. Within Kentucky, Morgantown Bank & Trust Company, Incorporated is 97th of 119 on return on assets, 0.86% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Morgantown Bank & Trust Company, Incorporated sits 0.39 points lower, at 0.86% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.44% |
| Tier 1 risk-based capital ratio | 11.44% |
| Total risk-based capital ratio | 12.28% |
| Tier 1 leverage ratio | 8.17% |
| Equity capital to assets | 7.70% |
| Tangible equity to tangible assets | 7.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.00% |
| Allowance for credit losses to loans | 0.70% |
| Reserve coverage of non-performing loans | 280.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 11.32% |
| Net interest margin | 3.63% |
| Efficiency ratio | 69.86% |
| Yield on earning assets | 6.08% |
| Cost of funds | 2.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.90% |
| Core deposits to total deposits | 90.17% |
| Brokered deposits to total deposits | 1.81% |
| Deposits to assets | 87.72% |
| Securities to assets | 11.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.84% | 11.84% | 12.62% | 7.69% | 0.61% |
| Q4 2023 | 11.01% | 11.01% | 11.76% | 7.44% | 0.39% |
| Q1 2024 | 10.84% | 10.84% | 11.59% | 7.21% | 0.50% |
| Q2 2024 | 12.81% | 12.81% | 13.57% | 8.75% | 0.69% |
| Q3 2024 | 12.42% | 12.42% | 13.19% | 8.50% | 0.74% |
| Q4 2024 | 11.86% | 11.86% | 12.62% | 8.25% | 0.57% |
| Q1 2025 | 11.87% | 11.87% | 12.65% | 8.06% | 0.78% |
| Q2 2025 | 11.44% | 11.44% | 12.23% | 8.18% | 0.89% |
| Q3 2025 | 11.63% | 11.63% | 12.43% | 8.01% | 0.85% |
| Q4 2025 | 11.68% | 11.68% | 12.51% | 8.08% | 0.76% |
| Q1 2026 | 11.43% | 11.43% | 12.25% | 8.20% | 0.78% |
| Q2 2026 | 11.44% | 11.44% | 12.28% | 8.17% | 0.86% |
Morgantown Bank & Trust Company, Incorporated vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Morgantown Bank & Trust Company, Incorporated, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Morgantown Bank & Trust Company, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 275) · FFIEC NIC profile (RSSD 330949)