🏦Bank Scorer

THE MONTICELLO BANKING COMPANY

MONTICELLO, KY · Supervised by FDIC

Est. 1895FDIC #292RSSD: FDIC-292
Part ofMONTICELLO BANKSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: September 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.95%

Institution Profile

FDIC BankFind

Address

50 N Main St, MONTICELLO, KY

County

Wayne County

Established

January 1, 1895

Total Assets

$1.1B(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

September 5, 2008

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$949M

Net Loans

$779M

Net Income

$3M

ROA

0.95%

ROE

11.02%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate17.85%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

20

Branch Deposits

$963M

1-Year Change

-1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202429767%17.85%
202340270.4%14.93%
202254177.82%11.46%
202157470.38%16.20%
202076871.88%13.67%
201946870.09%14.53%
201842665.02%19.72%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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