The Monticello Banking Company (FDIC certificate #292) is based in Monticello, Kentucky. Its Q2 2026 call report shows $1.1B in total assets and $924.3M in deposits and 21 offices.
The Monticello Banking Company has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 66th. Problem-loan coverage contributes the most (98/100, 0.8%); capital cushion contributes the least (52/100, 10.17%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (69 → 71), mostly because the funding & liquidity component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 63 |
| Q4 2024 | 65 |
| Q1 2025 | 67 |
| Q2 2025 | 69 |
| Q3 2025 | 65 |
| Q4 2025 | 67 |
| Q1 2026 | 70 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.23% |
| Q3 2024 | 9.38% |
| Q4 2024 | 9.62% |
| Q1 2025 | 9.77% |
| Q2 2025 | 9.87% |
| Q3 2025 | 9.57% |
| Q4 2025 | 9.84% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.17% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.11% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.90% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.00% |
| Q4 2025 | 1.08% |
| Q1 2026 | 0.95% |
| Q2 2026 | 0.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $1.1B | 10.17% | 0.11% | 0.97% | 82.8% |
| Q1 2026 | 70 | $1.1B | 10.25% | 0.15% | 0.95% | 82.0% |
| Q4 2025 | 67 | $1.1B | 9.84% | 0.32% | 1.08% | 86.3% |
| Q3 2025 | 65 | $1.1B | 9.57% | 0.40% | 1.00% | 88.3% |
| Q2 2025 | 69 | $1.2B | 9.87% | 0.10% | 0.98% | 86.5% |
| Q1 2025 | 67 | $1.2B | 9.77% | 0.13% | 0.90% | 89.0% |
| Q4 2024 | 65 | $1.2B | 9.62% | 0.11% | 0.72% | 88.4% |
| Q3 2024 | 63 | $1.2B | 9.38% | 0.15% | 0.61% | 90.7% |
| Q2 2024 | 63 | $1.2B | 9.23% | 0.12% | 0.57% | 91.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Paducah Bank and Trust CompanyBank Paducah, KY | 79 out of 100, Strong | $1.1B | 10.6% | 0.19% | vs |
| Edmonton State BankBank Glasgow, KY | 82 out of 100, Strong | $1.2B | 11.5% | 0.32% | vs |
| First Southern National BankBank Lancaster, KY | 68 out of 100, Moderate | $1.3B | 10.8% | 0.61% | vs |
| Community Financial Services BankBank Benton, KY | 70 out of 100, Strong | $1.4B | 10.3% | 0.42% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
| Forcht Bank, National AssociationBank Lexington, KY | 66 out of 100, Moderate | $1.6B | 8.2% | 0.05% | vs |
Deposit insurance
Is my money safe at The Monticello Banking Company?
Yes. The Monticello Banking Company is an FDIC-insured institution (FDIC certificate #292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.7% of deposits ($265.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
21 locations
Branches
The Monticello Banking Company lists 21 offices in 15 cities. Most locations:
- Monticello, KY (4)
- Bowling Green, KY (2)
- Harlan, KY (2)
- Somerset, KY (2)
- Albany, KY (1)
- Danville, KY (1)
- Frankfort, KY (1)
- Glasgow, KY (1)
- Lexington, KY (1)
- Liberty, KY (1)
- London, KY (1)
- Louisville, KY (1)
HMDA 2025
Mortgage lending
In 2025, The Monticello Banking Company reported 231 home-loan applications under HMDA (LEI 54930020VWE4K0ME5605): 166 originated ($50,660,000 total), 38 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Monticello Banking Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 292
- RSSD ID
- 266945
- Primary regulator
- FED
- Holding company
- Monticello Bankshares Inc
- Established
- January 1, 1895
- Headquarters
- 50 N Main St, Monticello, KY 42633
- Website
- mbcbank.com
- Employees
- 207
Quick answers
The Monticello Banking Company: common questions
Is The Monticello Banking Company FDIC insured?
Yes. The Monticello Banking Company is an FDIC-insured institution (FDIC certificate #292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Monticello Banking Company's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Monticello Banking Company ever failed?
There is no failure record for FDIC certificate #292 in the FDIC failed bank list.
How many branches does The Monticello Banking Company have?
21 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Monticello
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cumberland Security Bank, Inc.Bank Somerset, KY | 87 out of 100, Very strong | $420.1M | 14.1% | 0.16% | vs |
| Bank of JamestownBank Jamestown, KY | 84 out of 100, Strong | $263.8M | 13.0% | 0.02% | vs |
| The First National Bank of OneidaBank Oneida, TN | 82 out of 100, Strong | $367.8M | 11.0% | 0.27% | vs |
| United Citizens Bank of Southern KentuckyBank Columbia, KY | 81 out of 100, Strong | $286.2M | 12.1% | 0.43% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| The Citizens National Bank of SomersetBank Somerset, KY | 75 out of 100, Strong | $700.9M | 9.0% | 0.18% | vs |