Morgantown Bank & Trust Company, Incorporated: how it compares with its peers
Against 57 KY banks with half to twice its assets, Morgantown Bank & Trust Company, Incorporated's strongest measure in Q2 2026 is assets per employee ($6.3M vs. a $6.0M peer median). Its weakest relative measure is return on assets (0.82% vs. 1.41%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.82% | 1.41% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.67% | 3.93% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.07% | 58.25% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.0M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.26% | 83.53% | Context |
What it means for lending operations
Its efficiency ratio of 71.07% is above the 58.25% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Town & Country Bank and Trust Company Bardstown, KY · $434M
- The Lincoln National Bank of Hodgenville Hodgenville, KY · $454M
- Meade County Bank Brandenburg, KY · $458M
- Cumberland Security Bank, Inc. Somerset, KY · $420M
- United Cumberland Bank Whitley City, KY · $460M
- Bank of Lexington, Inc. Lexington, KY · $411M
Questions about Morgantown Bank & Trust Company, Incorporated
How big is Morgantown Bank & Trust Company, Incorporated?
Morgantown Bank & Trust Company, Incorporated, established in 1880, is headquartered in Morgantown, KY. It reported $440M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Morgantown Bank & Trust Company, Incorporated's return on assets?
0.82% annualized in Q2 2026, against a 1.41% median for 57 KY banks with half to twice its assets, ahead of 14% of them.
What is Morgantown Bank & Trust Company, Incorporated's efficiency ratio?
71.07% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 58.25%, and lower is better.
Is Morgantown Bank & Trust Company, Incorporated growing its loans?
Net loans grew 9.4% over the year to Q2 2026, while deposits grew 8.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.