Morgantown Bank & Trust Company, Incorporated
Morgantown, KY
IDRSSD: 330949
Total Assets
$421.66M
Latest filing
Total Deposits
$369.60M
Latest filing
Net Interest Margin
3.49%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
083903742MORGANTOWN, KY
Key People
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Locations
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Main Office
Morgantown Bank & Trust Company, Incorporated
201 N Main St
Morgantown, KY 42261
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 70 |
| 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 | 01/30/2026 |
| CERT | 275 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $421.66M |
| Total Deposits | $369.60M |
| Total Liabilities | $389.28M |
| Total Equity Capital | $32.38M |
| Net Income | $809.00k |
| Net Loans and Leases | $331.32M |
| Assets Per Employee ($Millions) | $6.49M |
| Bank Premises and Fixed Assets | $14.23M |
| Cash and Balances due from Depository Institutions | $10.21M |
| Deposits Held in Domestic Offices | $369.60M |
Key Performance Ratios
| Return on Assets (ROA) | 0.77% |
| Return on Equity (ROE) | 10.16% |
| Net Interest Margin | 3.49% |
| Efficiency Ratio | 73.32% |
| Tier 1 Risk-Based Capital Ratio | 11.678% |
| 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 | 7.679% |
| Earning Assets to total Assets | 92.2% |
Income and Expense
| Total Interest Income | $6.08M |
| Total Noninterest Income | $667.00k |
| Total Interest Expense | $2.67M |
| Total Noninterest Expense | $2.98M |
| Net Interest Income | $3.40M |
| Pre-tax Net Operating Income | $990.00k |
| Provision for Credit Losses | $96.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $16.16M |
| Federal Funds Sold & Reverse Repurchase Agreement | $225.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.52M |
| Total Liabilities and Capital | $421.66M |
Securities
| Securities | $53.77M |
| Available-for-sale debt securities | $53.77M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$421.66M as of the latest filing.
How much are Morgantown Bank & Trust Company, Incorporated's total deposits?
$369.60M in total deposits.
Where is Morgantown Bank & Trust Company, Incorporated located?
Morgantown, KY.
What is the Net Interest Margin?
3.49%.
How many domestic offices does it operate?
8.
When was it established?
09/01/1880.
What is the Return on Assets (ROA)?
0.77%.
How much are total loans and leases?
$331.32M (latest filing).
What is the total interest income (latest filing)?
$6.08M.