The Monticello Banking Company
Total assets
$1.07B
▼ -7.9% YoY
Deposits
$924.3M
▼ -4.0% YoY
Loans
$765.3M
▼ -8.1% YoY
Offices
21
MONTICELLO BANKSHARES INC
ROA (annualized)
0.97%
peers 1.26%
ROE (annualized)
11.18%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.9% | +5.5% | -13.3 pts |
| Deposit growth (YoY) | -4.0% | +5.1% | -9.0 pts |
| Loan growth (YoY) | -8.1% | +5.9% | -14.0 pts |
| ROA | 0.97% | 1.26% | -0.3 pts |
| ROE | 11.2% | 12.2% | -1.0 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
Profile
- Established
- 1895
- Charter
- State
- Primary regulator
- FED
- Holding company
- MONTICELLO BANKSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 50 N Main St, Monticello, KY, 42633
- County
- Wayne
- Offices
- 21
- FDIC cert #
- 292
- RSSD ID
- 266945
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.07B | $924.3M | $765.3M | $92.4M | $5.3M | 0.97% | 3.68% | 0.08% |
| Q1 2026 | $1.09B | $949.4M | $778.9M | $97.8M | $2.7M | 0.95% | 3.62% | 0.11% |
| Q4 2025 | $1.14B | $938.7M | $810.1M | $95.3M | $12.4M | 1.08% | 3.45% | 0.23% |
| Q3 2025 | $1.15B | $942.9M | $832.3M | $90.6M | $8.7M | 1.00% | 3.39% | 0.29% |
| Q2 2025 | $1.16B | $962.6M | $832.3M | $90.5M | $5.7M | 0.98% | 3.34% | 0.07% |
| Q1 2025 | $1.17B | $943.8M | $839.8M | $89.9M | $2.6M | 0.90% | 3.25% | 0.09% |
| Q4 2024 | $1.15B | $926.5M | $819.5M | $89.0M | $8.5M | 0.72% | 2.85% | 0.08% |
| Q3 2024 | $1.17B | $916.3M | $830.9M | $90.0M | $5.4M | 0.61% | 2.76% | 0.11% |
Loan mix (Q2 2026): real estate $701.2M · commercial $28.6M · consumer $16.9M · securities $207.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.26% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.2% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.70% | 49th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 59.0% | 79th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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