C
Morgantown Bank & Trust Company, Incorporated
Rating Date
August 2026
Risk Based
Capital Ratio
12.28
Leverage
Ratio
8.17
Return On
Assets
0.82%
Total
Assets
439.66M
Capital
33.85M
Total
Deposits
385.69M
Net
Income
1.78M
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Weiss Ratings Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Rating C
Asset Quality Index 7.10
Capitalization Index 6.20
Liquidity Index 0.70
Profitability Index 4.20
Stability Index 3.70
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 5.98%
5-Year Asset Growth 16.58%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.24%
Non-Performing Loans to Capital 2.31%
Non-Performing Loans to Loans 0.25%
Balance Sheet Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Total Assets 439.66M
Total Deposits 385.69M
Capital and Reserves Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Capital 33.85M
Leverage Ratio 8.17
Loan Loss Reserves to Loans 0.70%
Risk-Based Capital Ratio 12.28
Liquidity Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Hot Money Ratio 31.74%
Liquidity Ratio 9.57%
Profitability Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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5-Year Return on Average Assets 0.75%
Net Income 1.78M
Net Interest Spread 3.60%
Operating Profit to Average Assets 1.06%
Overhead Efficiency Ratio 71.07%
Return on Assets 0.82%
Return on Equity 10.76%