MONTICELLO BANKING CO

FDIC #292 · KY · period 20260630

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Total assets1,006,405-12.95% YoY

Total deposits899,348-4.50% YoY

Net loans and leases627,324-20.05% YoY

Return on assets1.25%+1.41% YoY

Return on equity13.36%-29.80% YoY

Net interest margin3.53%+1.94% YoY

Peer position

Return on assets29thopportunity · n=902

Return on equity43rdin line · n=894

Net interest margin49thin line · n=902

Equity to assets15thopportunity · n=894

Noncurrent loans87thstrength · n=887

Liquid assets54thin line · n=895

Brokered deposits41stin line · n=890

Loans to deposits61stin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2021-12-31	1,006,405	899,348	627,324	1.25	13.36	3.53
2022-03-31	1,027,614	924,082	658,233	1.07	12.93	3.35
2022-06-30	1,059,344	960,931	689,315	1.18	16.11	3.42
2022-09-30	1,096,397	955,444	730,795	1.19	17.74	3.48
2022-12-31	1,156,139	941,700	784,654	1.23	19.03	3.46
2023-03-31	1,164,339	947,186	801,645	0.80	14.26	3.05
2023-06-30	1,177,201	937,899	831,002	0.80	14.29	2.99
2023-09-30	1,178,451	926,603	844,107	0.75	13.55	2.93
2023-12-31	1,198,688	940,128	845,819	0.75	13.26	2.88
2024-03-31	1,191,728	925,503	852,907	0.52	7.82	2.62
2024-06-30	1,183,261	917,854	842,182	0.57	8.38	2.68
2024-09-30	1,171,778	916,250	830,883	0.61	8.66	2.76
2024-12-31	1,153,231	926,546	819,486	0.72	10.04	2.85
2025-03-31	1,169,330	943,764	839,795	0.90	11.63	3.25
2025-06-30	1,159,076	962,598	832,316	0.98	12.65	3.34
2025-09-30	1,149,966	942,933	832,344	1.00	12.82	3.39
2025-12-31	1,140,123	938,702	810,133	1.08	13.66	3.45
2026-03-31	1,094,102	949,413	778,895	0.95	11.02	3.62
2026-06-30	1,067,848	924,295	765,302	0.97	11.18	3.68

Structure and branch footprint

21 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2018-09-08	1	3897434	266945
2017-03-18	1	146618	266945
2002-09-09	1	809744	266945

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.