Monticello Banking Company (MBC)

Overview / Commentary
50 N Main St
Monticello, KY 42633

Monticello Banking Company (MBC) is headquartered in Monticello and is the 16th largest bank in the state of Kentucky. It is also the 926th largest bank in the nation. It was established in 1895 and as of June of 2022, it had grown to 208 employees at 20 locations. Monticello Banking Company (MBC) has an A health rating.

Reviews (3)

Five Star Friendly

Posted by: |

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 - YTD1.18%
Return on Equity - YTD16.11%
Annual Interest Income$17.8MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.06B$989.8MM
LoansQ2 2022vs Q2 2021$689.3MM$616.1MM
DepositsQ2 2022vs Q2 2021$960.9MM$881.9MM
Equity CapitalQ2 2022vs Q2 2021$57.7MM$91.3MM
Loan Loss AllowanceQ2 2022vs Q2 2021$8.2MM$8.0MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.6MM$3.9MM
Real Estate OwnedQ2 2022vs Q2 2021$0$33.00K
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