Bank · FDIC insured
Morgantown Bank & Trust
A $439.7M bank headquartered in Morgantown, KY, with 7 branches in Kentucky. Best rates: savings 2.16% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings893.19%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Morgantown Bank & Trust
Established in 1880 as Morgantown Deposit Bank, Morgantown Bank & Trust is headquartered in Morgantown, Kentucky, and received its current name in 1984.
The bank expanded into Warren County in 2010 and focuses on serving its communities with financial solutions that support growth, prosperity, and stability.
- Headquarters
- 202 N Main St, Morgantown, KY 42261
- FDIC certificate
- 275 ↗
Branches
7 branches in Kentucky
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Kentucky
7 branches
Bowling Green area · 6
- Morgantown Bank & Trust Company, IncorporatedMain office202 N Main St, Morgantown, KY 42261Directions
- Morgantown Road1848 Morgantown Rd, Bowling Green, KY 42101Directions
- Rich Pond Office Branch8051 Nashville Road, Bowling Green, KY 42101Directions
- Thoroughbred Square1945 Scottsville Rd, Bowling Green, KY 42104Directions
- Highway 70 Branch71 Veterans Way, Morgantown, KY 42261Directions
- Morgantown Drive Thru208 N Main St, Morgantown, KY 42261Directions
Beaver Dam area · 1
- Beaver Dam Office Branch1150 North Main Street, Beaver Dam, KY 42320Directions
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 | 8.17% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.24% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.82% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $92 | $81 | — |
- CapitalLeverage ratio8.17%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.24%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.82%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$92Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 Morgantown Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.