C
Morgantown Bank & Trust Company, Incorporated
Rating Date
October 2025
Risk Based
Capital Ratio
12.43
Leverage
Ratio
8.01
Return On
Assets
0.84%
Total
Assets
420.35M
Capital
31.33M
Total
Deposits
364.63M
Net
Income
2.55M
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Weiss Ratings Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Rating C
Asset Quality Index 6.70
Capitalization Index 6.00
Liquidity Index 0.90
Profitability Index 4.10
Stability Index 3.80
Company Info Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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FDIC Number 275
Phone Number (270) 526-3881
Website www.morgantownbank.com
Asset Quality Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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1-Year Asset Growth 15.74%
5-Year Asset Growth 17.39%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 2.88%
Non-Performing Loans to Loans 0.34%
Balance Sheet Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Total Assets 420.35M
Total Deposits 364.63M
Capital and Reserves Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Capital 31.33M
Leverage Ratio 8.01
Loan Loss Reserves to Loans 0.67%
Risk-Based Capital Ratio 12.43
Liquidity Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Hot Money Ratio 33.88%
Liquidity Ratio 13.28%
Profitability Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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5-Year Return on Average Assets 0.72%
Net Income 2.55M
Net Interest Spread 3.39%
Operating Profit to Average Assets 1.09%
Overhead Efficiency Ratio 68.52%
Return on Assets 0.84%
Return on Equity 11.68%