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The Monticello Banking Company
Monticello, KY · FDIC Certificate #292 · Chartered 01/0
Total assets
$1.07B
Total deposits
$924.29M
Total equity
$92.41M
Net loans
$765.30M
Branches (offices)
21
Net income (YTD)
$5.32M
Rank: #984 of 4,213 U.S. banks by assets · #16 of 120 in Kentucky. Assets changed -7.9% and deposits -4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 11.18% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 8.65% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 28.7% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 82.8% |
| Real estate loans (share of loans) | 91.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $701.16M | 91.6% | |
| Commercial & industrial | $28.57M | 3.7% | |
| Consumer / individual | $16.92M | 2.2% | |
| Construction & development | $84.78M | 11.1% | |
| Agricultural | $3.27M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.06B | $960.93M | $6.08M | $57.66M |
| Jun 2023 | $1.18B | $937.90M | $4.66M | $66.12M |
| Jun 2024 | $1.18B | $917.85M | $3.41M | $84.56M |
| Jun 2025 | $1.16B | $962.60M | $5.68M | $90.53M |
| Jun 2026 | $1.07B | $924.29M | $5.32M | $92.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $924.29M | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $924.29M.
Similar-sized banks
Cape Ann Savings Bank ($1.07B) · The Paducah Bank And Trust Company ($1.07B)
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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