Morgantown Bank & Trust Company, Incorporated
Morgantown, KY
IDRSSD: 330949
Total Assets
$420.35M
Latest filing
Total Deposits
$364.63M
Latest filing
Net Interest Margin
3.60%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Morgantown Bank & Trust Company, Incorporated
201 N Main St
Morgantown, KY 42261
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/01/1880FDIC Certificate 220
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Morgantown Bank & Trust Company, Incorporated (Main) | 201 N Main St | Morgantown, KY |
| HIGHWAY 70 BRANCH | 71 Veterans Way | Morgantown, KY |
| MORGANTOWN ROAD | 1848 Morgantown Rd | Bowling Green, KY |
| THOROUGHBRED SQUARE | 1945 Scottsville Rd | Bowling Green, KY |
| MORGANTOWN DRIVE THRU | 208 N Main St | Morgantown, KY |
| MY TOWN BANK LPO BRANCH | 3102 West End Ave | Nashville, TN |
| RICH POND OFFICE BRANCH | 8051 Nashville Road | Bowling Green, KY |
| BEAVER DAM OFFICE BRANCH | 1150 North Main Street | Beaver Dam, KY |
Showing 7 of 7
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/01/1880 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42261 |
| State and County Number | 21031 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Bowling Green, KY |
Operational Info
| Number of Employees | 68 |
| Domestic Offices | 8 |
| 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 | https://www.morgantownbank.com |
| Data Updated | 11/14/2025 |
| CERT | 275 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $420.35M |
| Total Deposits | $364.63M |
| Total Liabilities | $389.02M |
| Total Equity Capital | $31.33M |
| Net Income | $899.00k |
| Net Loans and Leases | $326.57M |
| Assets Per Employee ($Millions) | $6M |
| Bank Premises and Fixed Assets | $11.50M |
| Cash and Balances due from Depository Institutions | $12.99M |
| Deposits Held in Domestic Offices | $364.63M |
Key Performance Ratios
| Return on Assets (ROA) | 0.86% |
| Return on Equity (ROE) | 11.78% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 69.62% |
| Tier 1 Risk-Based Capital Ratio | 11.629% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.453% |
| Earning Assets to total Assets | 93.25% |
Income and Expense
| Total Interest Income | $6.16M |
| Total Noninterest Income | $676.00k |
| Total Interest Expense | $2.64M |
| Total Noninterest Expense | $2.92M |
| Net Interest Income | $3.51M |
| Pre-tax Net Operating Income | $1.18M |
| Provision for Credit Losses | $96.00k |
| 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 | $20.18M |
| Federal Funds Sold & Reverse Repurchase Agreement | $464.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.22M |
| Total Liabilities and Capital | $420.35M |
Securities
| Securities | $57.80M |
| Available-for-sale debt securities | $57.80M |
| 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 Morgantown Bank & Trust Company, Incorporated?
$420.35M as of the latest filing.
How much are Morgantown Bank & Trust Company, Incorporated's total deposits?
$364.63M in total deposits.
Where is Morgantown Bank & Trust Company, Incorporated located?
Morgantown, KY.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
8.
When was it established?
09/01/1880.
What is the Return on Assets (ROA)?
0.86%.
How much are total loans and leases?
$326.57M (latest filing).
What is the total interest income (latest filing)?
$6.16M.