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 The Monticello Banking Company
The Monticello Banking Company
| RSSD ID 266945 | CERTIFICATE 292 | ABA NUMBER 83902581 |
| 50 N Main St |
Quarter Ended : |
2025-12-31 |
| Monticello, Kentucky, 42633 |
Updated : |
2026-01-21 |
| mbcbank.com |
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| Institution Profile |
| Year Opened : |
1895 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
20 |
Number of Employees : |
199 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,140,123 |
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Total Interest Income | 58,644 |
| Total Liabilities | 1,044,812 |
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Total NonInterest Income | 6,252 |
| Total Bank Equity Capital | 95,311 |
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Total Interest Expense | 21,656 |
| Total Deposits | 938,702 |
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Total NonInterest Expense | 28,133 |
| Net Loans & Leases | 810,133 |
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Net Income | 12,440 |
| Loan Loss Allowance | 9,251 |
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Net Charge Offs | 59 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 840,228 |
| Total assets for the leverage ratio | 1,171,693 |
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Loans secured by real estate: | 758,135 |
| Tier 1 Leverage Ratio | 9.84 |
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Commercial and industrial loans | 32,977 |
| Off Balance Sheet Exposures (%) | 4.63 |
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Loans to individuals - Credit Cards | 1,414 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 17,184 |
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:· The Monticello Banking Company
