Side-by-side · Q2 2026 data
The Monticello Banking Company vs Community Trust Bank, Inc.
Metric by metric
| Measure | The Monticello Banking Company | Community Trust Bank, Inc. |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 52 | 84 (stronger) |
| Loan quality | 96 (stronger) | 81 |
| Earnings | 59 | 86 (stronger) |
| Funding & liquidity | 62 (stronger) | 55 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 63rd | 90th |
| Total assets | $1.1B | $6.9B |
| Deposits / shares | $924.3M | $5.7B |
| Capital ratio | 10.17% | 13.43% (stronger) |
| Problem loans | 0.11% (stronger) | 0.58% |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 0.97% | 1.64% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 89.3% |
| Uninsured deposits | 28.7% (stronger) | 29.6% |
| Offices | 21 | 78 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 13.9% |
Community Trust Bank, Inc. has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Monticello Banking Company leads on 4 and Community Trust Bank, Inc. on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.