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Overview / Commentary
50 North Main
Monticello, KY 42633

Monticello Banking Company (MBC) is headquartered in Monticello and is the 21st largest bank in the state of Kentucky. It is also the 1,076th largest bank in the nation. It was established in 1895 and as of September of 2017, it had grown to 184 employees at 16 locations. Monticello Banking Company (MBC) has an A health rating.

Reviews (3)

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.

Best local bank around.

I switched to the local bank downtown from where I work about 6-8 months ago. I got tired of all the ridiculous fees I was constantly getting from BB&T. So far I have absolutely nothing negative to say about Monticello Banking Company. They are always very friendly and helpful, it's like going to see an old friend when I go to the bank now. They are always very quick and efficient too, no long waits. I haven't had a single charge I wasn't expecting as well and their fees are very reasonable. I would recommend this bank to all my friends and family.

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 - YTD1.04%
Return on Equity - YTD10.28%
Annual Interest Income$20.6MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$694.0MM$554.6MM
LoansQ3 2017vs Q3 2016$453.3MM$366.0MM
DepositsQ3 2017vs Q3 2016$611.4MM$490.1MM
Equity CapitalQ3 2017vs Q3 2016$74.3MM$61.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$5.3MM$4.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$3.3MM$2.2MM
Real Estate OwnedQ3 2017vs Q3 2016$1.1MM$767.00K
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Monticello Banking Company (MBC) Savings Account Rates

OTHER TIERS: 0.10% $15k+

Monticello Banking Company (MBC) Checking Account Rates

OTHER TIERS: 0.10% $15k+