Bank · FDIC insured
Monticello Banking Company
A $1.1B bank headquartered in Monticello, KY, with 21 branches in Kentucky.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings660.05%0.60% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Monticello Banking Company
Monticello Banking Company is a state-chartered commercial bank founded in 1895 with its main office in Monticello, Kentucky.
It operates twenty-one offices across fourteen Kentucky counties and specializes in consumer boat and watercraft financing.
- Headquarters
- 50 N Main St, Monticello, KY 42633
- FDIC certificate
- 292 ↗
Branches
21 branches in Kentucky
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Kentucky
21 branches
Monticello area · 4
- The Monticello Banking CompanyMain office50 N Main St, Monticello, KY 42633Directions
- Downtown Branch95 N Main St, Monticello, KY 42633Directions
- Highway 90 Branch28 Barnes Dr, Monticello, KY 42633Directions
- Tradeway Branch1450 N Main St, Monticello, KY 42633Directions
Bowling Green area · 2
- Bowling Green - Heartland Branch1050 Wilkinson Trace, Bowling Green, KY 42103Directions
- Cave Mill Road Branch1840 Cave Mill Rd, Bowling Green, KY 42104Directions
Harlan area · 2
- Mound Branch102 E Mound St, Harlan, KY 40831Directions
- Village Center Branch181 Finance St, Harlan, KY 40831Directions
Lexington area · 2
- Beaumont Branch997 Governors Ln, Lexington, KY 40513Directions
- Nicholasville Branch104 Springdale Dr, Nicholasville, KY 40356Directions
Somerset area · 2
- Somerset North Branch475 E Highway 80, Somerset, KY 42501Directions
- Somerset South Branch3653 S Highway 27, Somerset, KY 42501Directions
Albany area · 1
- Clinton County Branch310 N Cross St, Albany, KY 42602Directions
Danville area · 1
- Danville Bluegrass Branch113 Smoky Way, Danville, KY 40422Directions
Frankfort area · 1
- Frankfort Branch100 East West Connector, Frankfort, KY 40601Directions
Glasgow area · 1
- Glasgow Branch1434 Happy Valley Rd, Glasgow, KY 42141Directions
Liberty area · 1
- Casey County Branch611 N Wallace Wilkinson Blvd, Liberty, KY 42539Directions
Corbin area · 1
- London Branch1004 W 5th St, London, KY 40741Directions
Louisville/Jefferson County area · 1
- Hurstbourne Branch9900 Ormsby Station Rd, Louisville, KY 40223Directions
Richmond area · 1
- Richmond Branch275 E Main St, Richmond, KY 40475Directions
Russell Springs area · 1
- Russell County Branch2449 S Highway 127, Russell Springs, KY 42642Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.17% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.11% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.97% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalLeverage ratio10.17%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.11%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.97%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Monticello Banking Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.