B
Monticello Banking Company
Rating Date
June 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 8.70
Capitalization Index 8.20
Liquidity Index 3.00
Profitability Index 3.90
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 -1.88%
5-Year Asset Growth 10.10%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.87%
Non-Performing Loans to Loans 0.13%
Balance Sheet Monticello Banking Company
Monticello, KY
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Total Assets 1.17B
Total Deposits 943.76M
Capital and Reserves Monticello Banking Company
Monticello, KY
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Capital 89.92M
Leverage Ratio 9.77
Loan Loss Reserves to Loans 1.13%
Risk-Based Capital Ratio --
Liquidity Monticello Banking Company
Monticello, KY
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Hot Money Ratio 22.73%
Liquidity Ratio 13.23%
Profitability Monticello Banking Company
Monticello, KY
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5-Year Return on Average Assets 1.01%
Net Income 2.60M
Net Interest Spread 3.18%
Operating Profit to Average Assets 1.08%
Overhead Efficiency Ratio 68.66%
Return on Assets 0.88%
Return on Equity 11.63%