Morgantown Bank & Trust Company, Incorporated
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Good asset quality (6.7). Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 8.0.
Asset Mix:
Home mtgs (35%), securities (14%), comm re (12%), home eq lns (5%), consumer loans (3%), comm loans (3%), cash (3%), other (26%)
States with Branches:
KY, TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Morgantown Deposit Bancorp, Inc.
Investment Rating
--
Address
201 North Main Street
Morgantown, KY 42261
Morgantown, KY 42261
Phone Number
(270) 526-3881
Year Founded
1880
FDIC Number
Website
Largest Affiliates
No affiliate information available.