The Monticello Banking Company
Monticello, KY
IDRSSD: 266945
Total Assets
$1.15B
Latest filing
Total Deposits
$942.93M
Latest filing
Net Interest Margin
3.50%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Monticello Banking Company
50 N Main St
Monticello, KY 42633
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1895FDIC Certificate 236
Branches (19)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The Monticello Banking Company (Main) | 50 N Main St | Monticello, KY |
| CLINTON COUNTY BRANCH | 310 N Cross St | Albany, KY |
| TRADEWAY BRANCH | 1450 N Main St | Monticello, KY |
| DOWNTOWN BRANCH | 95 N Main St | Monticello, KY |
| SOMERSET NORTH BRANCH | 475 E Highway 80 | Somerset, KY |
| VILLAGE CENTER BRANCH | 181 Finance St | Harlan, KY |
| MOUND BRANCH | 102 E Mound St | Harlan, KY |
| BOWLING GREEN - HEARTLAND BRANCH | 1050 Wilkinson Trace | Bowling Green, KY |
Showing 7 of 19
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1895 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42633 |
| State and County Number | 21231 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 197 |
| Domestic Offices | 20 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | mbcbank.com |
| Data Updated | 11/14/2025 |
| CERT | 292 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.15B |
| Total Deposits | $942.93M |
| Total Liabilities | $1.06B |
| Total Equity Capital | $90.55M |
| Net Income | $2.98M |
| Net Loans and Leases | $832.34M |
| Assets Per Employee ($Millions) | $5.84M |
| Bank Premises and Fixed Assets | $26.44M |
| Cash and Balances due from Depository Institutions | $26.44M |
| Deposits Held in Domestic Offices | $942.93M |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 13.15% |
| Net Interest Margin | 3.5% |
| Efficiency Ratio | 66.59% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.874% |
| Earning Assets to total Assets | 93.06% |
Income and Expense
| Total Interest Income | $14.83M |
| Total Noninterest Income | $1.57M |
| Total Interest Expense | $5.45M |
| Total Noninterest Expense | $7.29M |
| Net Interest Income | $9.38M |
| Pre-tax Net Operating Income | $3.66M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $110.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.48M |
| Total Liabilities and Capital | $1.15B |
Securities
| Securities | $216.23M |
| Available-for-sale debt securities | $216.23M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Monticello Banking Company?
$1.15B as of the latest filing.
How much are The Monticello Banking Company's total deposits?
$942.93M in total deposits.
Where is The Monticello Banking Company located?
Monticello, KY.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
20.
When was it established?
01/01/1895.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$832.34M (latest filing).
What is the total interest income (latest filing)?
$14.83M.