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Morgantown Bank & Trust Company, Incorporated
Morgantown, KY · FDIC Certificate #275 · Chartered 09/0
Total assets
$439.66M
Total deposits
$385.69M
Total equity
$33.85M
Net loans
$351.98M
Branches (offices)
7
Net income (YTD)
$1.78M
Rank: #1,945 of 4,213 U.S. banks by assets · #47 of 120 in Kentucky. Assets changed 6.0% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.82% |
| Return on equity | 10.76% |
| Net interest margin (YTD) | 3.67% |
| Equity to assets | 7.70% |
| Tier 1 leverage ratio | 8.17% |
| Uninsured deposits (share of deposits) | 10.9% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 91.3% |
| Real estate loans (share of loans) | 90.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $317.93M | 90.3% | |
| Commercial & industrial | $15.85M | 4.5% | |
| Consumer / individual | $14.59M | 4.1% | |
| Construction & development | $34.51M | 9.8% | |
| Agricultural | $2.71M | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $263.67M | $236.12M | $927.00K | $18.06M |
| Jun 2023 | $296.05M | $263.04M | $825.00K | $17.57M |
| Jun 2024 | $357.47M | $297.57M | $999.00K | $25.64M |
| Jun 2025 | $414.86M | $356.36M | $1.66M | $29.72M |
| Jun 2026 | $439.66M | $385.69M | $1.78M | $33.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $385.69M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $385.69M.
Similar-sized banks
Oostburg State Bank ($440.18M) · The Bank Of Clovis ($438.45M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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