FDIC Cert #292 · Monticello, Kentucky · Est. 1895

The Monticello Banking Company - FDIC Bank Health Profile

A community-scale look at The Monticello Banking Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
B
Health grade · Good
1.08%
Return on assets
9.8%
Tier 1 capital

Data updated July 2026

The verdict

The Monticello Banking Company earns a PlainBankData health grade of B (66/100), with 9.84% Tier 1 capital, profitable at 1.08% ROA, 65% efficiency ratio.

#928
largest of 4,313 FDIC banks by assets
79th
percentile by asset size, nationally
9.84%
Tier 1 ratio - below the 10% well-capitalized line
49th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 292 · KY B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3354/4307
  • PHOTO-FINISH The Merchants & Plan… · AR
  • TIER1-ADEQ 9.8% Tier 1
  • TEXAS-CLEAN 2.5% Texas
  • ROA-PAR 1.08% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: The Merchants & Planters Bank, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Monticello Banking Company

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Northwoods Bank of M… · MN ·…66/100The Bank of Commerce · LA · …66/100The Merchants & Plan… · AR ·…66/100The Monticello Banki… · KY ·…66/100Washington Trust Bank · WA ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Monticello Banking Company · July 2026

What The Monticello Banking Company's Call Report plate shows

The Monticello Banking Company (FDIC Cert #292) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,354 of 4,307. Tier 1 capital prints at 9.84%, missing the 10% well-capitalized line. The Texas Ratio is 2.47%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.08%. Balance-sheet scale is $1.1B, 928th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Merchants & Planters Bank (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Monticello Banking Company

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

The Monticello Banking Company's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Monticello Banking Company remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How The Monticello Banking Company's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
The Monticello Banking Company's composite health score
Tier 1 Capital Ratio (9.84%) 18/40
Return on Assets (ROA) (1.08%) 20/25
Texas Ratio (2.47%) 20/20
Efficiency Ratio (65.06%) 8/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$939M

Customer-funded liabilities

Net Loans

$810M

Outstanding loan book

Net Income

$12M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.44% 9.84% 11.24%
Basel III capital ratios - The Monticello Banking Company

Where The Monticello Banking Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Monticello Banking Company's score of 66/100 falls in the highlighted band.

The Monticello Banking Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 22nd percentile higher than 22% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Monticello Banking Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Monticello Banking Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Monticello Banking Company's $1.1B falls in the highlighted band.

Safety ratios for The Monticello Banking Company

Tier 1 capital ratio
Well-capitalized 10%

9.84% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.84%
Texas Ratio
2.47%
Equity Capital
$95M

What these ratios mean →

Earnings posture at The Monticello Banking Company

Return on Assets (ROA)
49th percentile nationally
1.08%
Return on Equity (ROE)
13.66%
Efficiency Ratio
65.06%

What these mean →

Income & expense at The Monticello Banking Company

$59M
Interest Income
$6M
Non-Interest Income
$28M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Monticello Banking Company reports a Texas Ratio of 2.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Monticello Banking Company on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Kentucky so the neighborhood is not state containment.

American Community Bank & Trust $1.1B · IL The Farmers Bank, Frankfort, Indiana $1.1B · IN First Capital Bank $1.1B · SC The Federal Savings Bank $1.1B · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Monticello Banking Company (FDIC Cert #292) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Monticello Banking Company Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%