The Monticello Banking Company
Monticello, KY · Owner: Monticello Bankshares Inc
$1.1B
total assets, June 30, 2026
$1.1B
total assets, June 30, 2026
The Monticello Banking Company is a state member bank based in Monticello, KY, owned by Monticello Bankshares Inc. As of June 30, 2026 it held $1.1 billion in assets and $924.3 million in deposits; assets were down 7.9% from a year before. It has 21 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.1B
-7.9% in a year · -2.4% in a quarter
Deposits
$924M
-4.0% in a year · -2.6% in a quarter
Loans
$775M
-8.0% in a year · -1.7% in a quarter
Profit so far
$5.3M
Jan 1 to Jun 30, 2026 · -6.3% in a year
Capital ratio
10.17%
+0.30 pts in a year
Return on assets
0.97%
-0.01 pts in a year
Facts
- Type
- State member bank
- Head office
- 50 N Main St, Monticello, KY, 42633
- County
- Wayne
- Holding company
- Monticello Bankshares Inc
- Established
- Jan 1, 1895
- Employees
- 207
- Branches
- 21
- Website
- mbcbank.com
- Id
- b292
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
21 offices as of June 30, 2026, holding $924.3 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Kentucky | 21 | $924M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Highway 90 Branch | Monticello, KY | $235M |
| Somerset North Branch | Somerset, KY | $136M |
| Mound Branch | Harlan, KY | $82.3M |
| Clinton County Branch | Albany, KY | $62.0M |
| Downtown Branch | Monticello, KY | $54.6M |
| Somerset South Branch | Somerset, KY | $49.2M |
| Village Center Branch | Harlan, KY | $44.0M |
| The Monticello Banking Company (main office) | Monticello, KY | $40.8M |
| Tradeway Branch | Monticello, KY | $35.5M |
| Danville Bluegrass Branch | Danville, KY | $34.0M |
Related pages
Questions and answers
How big is The Monticello Banking Company?
$1.1 billion in total assets and $924.3 million in deposits as of June 30, 2026, with assets down 7.9% from a year before. Its loans were $774.5 million.
How many branches does The Monticello Banking Company have?
21 branches in Kentucky as of June 30, 2026.
Is The Monticello Banking Company profitable?
Yes: it earned $5.32 million from January 1 to June 30, 2026 (down 6.3% from the same months a year before). Its return on assets was 0.97% a year; about 1% is typical.
Who owns The Monticello Banking Company?
The Monticello Banking Company is owned by Monticello Bankshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.