C
Morgantown Bank & Trust Company, Incorporated
Rating Date
March 2026
Risk Based
Capital Ratio
12.51
Leverage
Ratio
8.08
Return On
Assets
0.82%
Total
Assets
421.66M
Capital
32.38M
Total
Deposits
369.60M
Net
Income
3.36M
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Weiss Ratings Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Rating C
Asset Quality Index 6.60
Capitalization Index 6.10
Liquidity Index 0.80
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 8.95%
5-Year Asset Growth 16.58%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 3.00%
Non-Performing Loans to Loans 0.34%
Balance Sheet Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Total Assets 421.66M
Total Deposits 369.60M
Capital and Reserves Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Capital 32.38M
Leverage Ratio 8.08
Loan Loss Reserves to Loans 0.69%
Risk-Based Capital Ratio 12.51
Liquidity Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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Hot Money Ratio 32.23%
Liquidity Ratio 11.04%
Profitability Morgantown Bank & Trust Company, Incorporated
Morgantown, KY 		Click to
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5-Year Return on Average Assets 0.72%
Net Income 3.36M
Net Interest Spread 3.39%
Operating Profit to Average Assets 1.05%
Overhead Efficiency Ratio 69.76%
Return on Assets 0.82%
Return on Equity 11.28%