The Monticello Banking Company is a bank based in Monticello, Kentucky, established in 1895, with $1.1 billion in total assets across 21 branches. By Trust Grade it ranks 66th of 120 banks we track in Kentucky. Its capital ratio of 8.9% trails most similarly sized banks (22th percentile), versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 0.95% return on assets. No consumer complaints against The Monticello Banking Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Monticello Banking Company compares to Kentucky peers
How we graded The Monticello Banking Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.9% capital ratio)
- Profitable (ROA 0.95%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Monticello Banking Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (21)
- 310 N Cross St, Albany, KY 42602
- 1450 N Main St, Monticello, KY 42633
- 95 N Main St, Monticello, KY 42633
- 475 E Highway 80, Somerset, KY 42501
- 181 Finance St, Harlan, KY 40831
- 102 E Mound St, Harlan, KY 40831
- 50 N Main St, Monticello, KY 42633
- 1050 Wilkinson Trace, Bowling Green, KY 42103
- 28 Barnes Dr, Monticello, KY 42633
- 2449 S Highway 127, Russell Springs, KY 42642
- 3653 S Highway 27, Somerset, KY 42501
- 611 N Wallace Wilkinson Blvd, Liberty, KY 42539
- 1840 Cave Mill Rd, Bowling Green, KY 42104
- 113 Smoky Way, Danville, KY 40422
- 1434 Happy Valley Rd, Glasgow, KY 42141
- 997 Governors Ln, Lexington, KY 40513
- 104 Springdale Dr, Nicholasville, KY 40356
- 9900 Ormsby Station Rd, Louisville, KY 40223
- 275 E Main St, Richmond, KY 40475
- 1004 W 5th St, London, KY 40741
- 100 East West Connector, Frankfort, KY 40601
Are deposits at The Monticello Banking Company insured?
Yes. The Monticello Banking Company is an FDIC-insured bank (FDIC certificate #292). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Monticello Banking Company: frequently asked questions
Is The Monticello Banking Company a good bank?
The Monticello Banking Company earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Well-capitalized (8.9% capital ratio); Profitable (ROA 0.95%).
Is The Monticello Banking Company FDIC-insured?
Yes. The Monticello Banking Company is a FDIC-insured bank (FDIC certificate #292). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Monticello Banking Company?
The Monticello Banking Company holds $1.1 billion in total assets, ranking 66th of 120 banks we track in Kentucky. It operates 21 branches.
Does The Monticello Banking Company have CFPB complaints?
No CFPB complaints against The Monticello Banking Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
