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Overview / Commentary
50 North Main
Monticello, KY 42633

The Monticello Banking Company is headquartered in Monticello and is the 21st largest bank in the state of Kentucky. It is also the 1,061st largest bank in the nation. It was established in 1895 and as of June of 2017, it had grown to 184 employees at 16 locations. The Monticello Banking Company has an A health rating.

Reviews (2)

Five Star Friendly

Posted by: Anonymous | Oct 10, 2011

Monticello Banking Company is one of the best banks that I have ever been to. Everyone is so friendly and eager to help. Not only did I switch my accounts there, but my wife did also. The company that I work for banks there as well. If your're not banking with Monticello Banking Company then you should be.

Been A HORRIBLE Experience

The line to call and check your balance and history does not hardly ever work. Now I am stuck out of state because I depended on using my debit card. My payroll of over 1500.00 is direct deposit every week. Now ALL OF THE DEBIT CARDS ARE NOT WORKING. I have learned a lesson. DO NOT USE THIS BANK. THEY CAN NOT GET THIER ACT TOGETHER. THEY WILL LEAVE YOU IN A BAD SPOT. THANKS TO THEM I WILL BE IN A SHELTER TIL THEY GET OUR CARDS WORKING


Health Grade Components

FDIC Certificate #292
Year Established1895
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD9.89%
Annual Interest Income$13.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$696.9MM$565.9MM
LoansQ2 2017vs Q2 2016$458.1MM$360.5MM
DepositsQ2 2017vs Q2 2016$605.4MM$501.5MM
Equity CapitalQ2 2017vs Q2 2016$73.2MM$61.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$5.2MM$5.0MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$3.8MM$2.2MM
Real Estate OwnedQ2 2017vs Q2 2016$1.3MM$767.00K
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The Monticello Banking Company Savings Account Rates

OTHER TIERS: 0.10% $15k+

The Monticello Banking Company Checking Account Rates

OTHER TIERS: 0.10% $15k+