B
Monticello Banking Company
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Monticello Banking Company
Monticello, KY
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Rating B
Asset Quality Index 8.50
Capitalization Index 7.90
Liquidity Index 2.90
Profitability Index 4.50
Stability Index 6.80
Company Info Monticello Banking Company
Monticello, KY
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FDIC Number 292
Phone Number (606) 348-8411
Website www.mbcbank.com
Asset Quality Monticello Banking Company
Monticello, KY
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1-Year Asset Growth -1.86%
5-Year Asset Growth 10.10%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.44%
Non-Performing Loans to Capital 2.74%
Non-Performing Loans to Loans 0.60%
Balance Sheet Monticello Banking Company
Monticello, KY
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Total Assets 1.15B
Total Deposits 942.93M
Capital and Reserves Monticello Banking Company
Monticello, KY
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Capital 90.55M
Leverage Ratio 9.57
Loan Loss Reserves to Loans 1.12%
Risk-Based Capital Ratio --
Liquidity Monticello Banking Company
Monticello, KY
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Hot Money Ratio 23.46%
Liquidity Ratio 11.89%
Profitability Monticello Banking Company
Monticello, KY
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5-Year Return on Average Assets 1.01%
Net Income 8.66M
Net Interest Spread 3.31%
Operating Profit to Average Assets 1.21%
Overhead Efficiency Ratio 66.45%
Return on Assets 0.97%
Return on Equity 12.81%