MONTICELLO BANKSHARES INC
Legal name: MONTICELLO BANKSHARES, INC.
1 active bank · 3 merged/absorbed · $1.1B combined assets
RSSD ID: 1097922 (FFIEC NIC)
Combined Assets
$1.1B
CRA Rating Summary
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$1.1B
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$949M
Net Income
$3M
ROA (avg)
0.95%
asset-weighted avg
Tier 1 Capital (avg)
0%
asset-weighted avg
Mortgage Lending (HMDA)
Aggregated HMDA data across all active charters for 2024.
Applications
297
Origination Rate
67%
Denial Rate
17.85%
Bank Charters
Each charter is examined independently for CRA compliance. Legacy entities were merged or absorbed during corporate consolidation.
THE MONTICELLO BANKING COMPANY
MONTICELLO, KY · FDIC · $1.1B
SatisfactoryTHE BANK OF HARLAN
Merged 2017HARLAN, KY · FDIC · $129M
SatisfactoryBLUEGRASS COMMUNITY BANK
Merged 2018DANVILLE, KY · FDIC · $49M
SatisfactoryBANK OF CLINTON COUNTY, INC.
Merged 2002ALBANY, KY · FDIC · $40M
Satisfactory
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| THE MONTICELLO BANKING COMPANY | MONTICELLO, KY | FDIC | $1.1B | 100.0% | Satisfactory | Sep 2008 |
| THE BANK OF HARLANMerged 2017 | HARLAN, KY | FDIC | $129M | — | Satisfactory | Sep 2012 |
| BLUEGRASS COMMUNITY BANKMerged 2018 | DANVILLE, KY | FDIC | $49M | — | Satisfactory | Jul 2014 |
| BANK OF CLINTON COUNTY, INC.Merged 2002 | ALBANY, KY | FDIC | $40M | — | Satisfactory | Mar 2000 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.