🏦Bank Scorer

MORGANTOWN BANK & TRUST COMPANY, INCORPORATED

MORGANTOWN, KY · Supervised by FDIC

Est. 1880FDIC #275RSSD: FDIC-275
Part ofMORGANTOWN DEPOSIT BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.78%

Institution Profile

FDIC BankFind

Address

202 N Main St, MORGANTOWN, KY

County

Butler County

Established

September 1, 1880

Total Assets

$435M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$435M

Total Deposits

$382M

Net Loans

$341M

Net Income

$833K

ROA

0.78%

ROE

10.19%

Risk-Based Capital

12.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.19%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$356M

1-Year Change

+2

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202421286.32%5.19%
202318386.34%6.01%
202218585.95%3.78%
202117986.03%4.47%
202018086.11%7.22%
201914182.27%4.96%
201815671.15%13.46%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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