Side-by-side · Q2 2026 data
The Monticello Banking Company vs The Paducah Bank and Trust Company
Metric by metric
| Measure | The Monticello Banking Company | The Paducah Bank and Trust Company |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 52 | 56 (stronger) |
| Loan quality | 96 (stronger) | 94 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 57 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 63rd | 88th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $924.3M | $844.2M |
| Capital ratio | 10.17% | 10.63% (stronger) |
| Problem loans | 0.11% (stronger) | 0.19% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 0.97% | 2.25% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 94.5% |
| Uninsured deposits | 28.7% | 23.2% (stronger) |
| Offices | 21 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 7.9% |
The Paducah Bank and Trust Company has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Monticello Banking Company leads on 3 and The Paducah Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.