The Monticello Banking Company: how it compares with its peers
Against 27 KY banks with half to twice its assets, The Monticello Banking Company's strongest measure in Q2 2026 is net interest margin (3.68% vs. a 3.92% peer median). Its weakest relative measure is efficiency ratio (69.80% vs. 56.70%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.97% | 1.26% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.68% | 3.92% | Middle third Ahead of 41% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.80% | 56.70% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.0M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.80% | 78.72% | Context |
What it means for lending operations
Its efficiency ratio of 69.80% is above the 56.70% 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
- The Paducah Bank and Trust Company Paducah, KY · $1.07B
- The Farmers National Bank of Danville Danville, KY · $990M
- Edmonton State Bank Glasgow, KY · $1.15B
- American Bank & Trust Company, Inc. Bowling Green, KY · $924M
- First Southern National Bank Lancaster, KY · $1.28B
- Wilson & Muir Bank & Trust Company Bardstown, KY · $818M
Questions about The Monticello Banking Company
How big is The Monticello Banking Company?
The Monticello Banking Company, established in 1895, is headquartered in Monticello, KY. It reported $1.07B in total assets in its Q2 2026 FDIC call report and operates 21 offices.
What is The Monticello Banking Company's return on assets?
0.97% annualized in Q2 2026, against a 1.26% median for 27 KY banks with half to twice its assets, ahead of 19% of them.
What is The Monticello Banking Company's efficiency ratio?
69.80% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 56.70%, and lower is better.
Is The Monticello Banking Company growing its loans?
Net loans shrank 8.1% over the year to Q2 2026, while deposits shrank 4.0%.
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.