Morgantown Bank & Trust Company, Incorporated

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.morgantownbank.com

270-526-3881

201 N Main Street
Morgantown, KY 42261

Morgantown Bank & Trust Company, Incorporated is headquartered in MORGANTOWN and is the 50^th largest bank in the state of Kentucky. It is also the 2,107^th largest bank in the nation. It was established in 1880 and as of March of 2025, it had grown to 61 employees at 7 locations. Morgantown Bank & Trust Company, Incorporated's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	275
Year Established	1880
Employees	61
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.79%
Return on Equity - YTD	11.03%
Annual Interest Income	$5.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$393.8MM$336MM
Loans	Q1 2025vs Q1 2024	$299.4MM$246MM
Deposits	Q1 2025vs Q1 2024	$344MM$295.6MM
Equity Capital	Q1 2025vs Q1 2024	$28.5MM$19.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2MM$1.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.2MM$233K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Morgantown Bank & Trust Company, Incorporated Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$0	-	Vacation Club Savings
2.02%	$0	-	Christmas Club Account
2.02%	$0	-	Health Savings Account
1.50%^*	$0	$500k	Kasasa Saver
OTHER TIERS: 0.25% → $500k+
0.10%	$0	-	MBT Savings

Morgantown Bank & Trust Company, Incorporated Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$5k	-	Omega Money Market

Morgantown Bank & Trust Company, Incorporated Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%^*	$0	$10k	Kasasa Cash
OTHER TIERS: 0.25% → $10k+
0.25%	$0	-	Direct Interest Checking
0.01%	$0	-	GenGold Checking

Locations

Morgantown Bank & Trust Company, Incorporated Locations
Bowling Green - Christian Care Way	1945 Scottsville Road Suite C-5	Bowling Green, KY 42104
Bowling Green Branch	1848 Morgantown Road	Bowling Green, KY 42101
Morgantown Bank & Trust Company, Incorporated	201 N Main St	Morgantown, KY 42261
Highway 70 Branch	71 Veterans Way	Morgantown, KY 42261
Morgantown Drive Thru	208 N. Main Street	Morgantown, KY 42261

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