# MONTICELLO BANKING CO
MONTICELLO, KY · FDIC certificate 292 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.07B | |
| Deposits | $924.3M | |
| Loans and leases | $774.5M | |
| Total equity | $92.4M | |
| Loans / deposits | 82.80% (p39 of band) | 87.10% |
| Liquid assets / assets | 21.60% (p52 of band) | |
| Uninsured deposits / deposits | 28.69% (p44 of band) | 30.76% |
| Brokered deposits | 2.93% | |
| Wholesale funding | 7.14% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.17% (p42 of band) | 10.50% |
| Unrealized securities loss / equity | -28.05% (p11 of band) | -7.75% |
| AOCI / equity | 1.09% (p96 of band) | |
| ROA (annualized) | 0.97% (p29 of band) | 1.26% |
| Net interest margin | 3.68% (p49 of band) | 3.70% |
| Efficiency ratio | 69.80% (p79 of band) | |
| Noncurrent loans | 0.11% (p14 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p34 of band) | |
| Reserve coverage of noncurrent | 1100.96% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 91.74% (p84 of band) | |
| Auto loans | $5.0M (0.65% of loans; DQ 0.60%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -4.0% | |
| Employees | 207 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | capital falling | deposits shrinking |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 0 |  | charge-offs p90, capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-06 | 4 | capital falling, securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | wholesale funding >15% | capital falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | wholesale funding >15% |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | securities losses >30% of equity |
| 2026-03 | 1 | assets shrinking | construction >100% equity |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-12-29 [Monticello Banking Co. enters Louisville market with new East End branch - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNX00xZU8xQkc3bDAxVnhuc2N5TlVnN2dla0xONjNzMDBiam9XYm1kS2Y1Q2llc1VESkNHN0FZcmhKZENzUDhlbXZPS0xnRlk3cGExNEEwX1RlMGxZY0NpTFVwZGlnb1RZUnJuODJFMTI5ZDR1QmNzSVdPUWRKa0RsQjdfWVhEZUlxeG8wb1VXWk5CTk4wbnFaUkEyM3VkVnl4b0lzRGlyVzJNQQ?oc=5) · The Business Journals
- 2026-05-01 [CFPB Finalizes Revised Section 1071 Rule: A Narrower Framework with a 2028 Compliance Date - Husch Blackwell](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNWGtydHBoRzVpSWZ3MzZHb3VVUWJRR2F4WnFmUWVUaVVCenJLazhRQWUzRFB2UUo3djBRX1BLcldXNVROckxIRV91aXk3X0V2TURzeTZGNHZJWmh5NEV0djh0SlNwTk10aWxEU2RxNjdBdFJlTGdneDVZMUxoM2c4WGsxS29QRHFlVWpPMkVScThhV1drTExBM2ktaE1aNzN6d2xkNUV4clJlSi1pQXJxb0RSUXFRbkN4bmEyU1NteUI2TDhHaGxkRU9WZ0lMeTYxZHc?oc=5) · Husch Blackwell
- 2021-06-30 [Forbes Magazine names Forcht Bank as best bank in the state - The Lane Report](https://news.google.com/rss/articles/CBMipAFBVV95cUxNdEtQZnExSGRtWDZ4SXEzNmRzMUJqVGdzZnI2WVNXUTZPdVNLNkFXOHFOUTRhaVg1bGdhWXRxRW5RQzVadmlSeDl0T3RtQkFCejV3RGFXZ0lDMzFhbDFEanc4V3dUWW81dnBOQmVSd0pCV0NnM2xDblZqaW1lVTBDdzFwNzhTeWx1UE85UkZsOGJXTHQxaEMzRmh5VlhHU2dTdGFHbA?oc=5) · The Lane Report
- 2026-05-22 [CFPB Small-Biz Rule Rollback Tees Up End To Ky. Bank Suit - Law360](https://news.google.com/rss/articles/CBMinAFBVV95cUxQRVViYUJEQTZQbEtOMzFEcU1BV09EWlY5UHNkNHNWekY2NTQtSFJyZU9oV2tDc0Z4U2w0X0FhYmFjSFVWVjFxLXl4V0FyUWNDQzdwaVpWdzhjMmFBdnFZV0g5QW1pakl5TDJKcWFjbXBhZVppNmlFdTBTTm9vVWdyU1IwQlRaRDBNTWxkZTc3SGNmWWdBMWJlcWJZSUTSAVZBVV95cUxNczVsdHZDR3BXS2dSUWxEZ3M1OFNORUZtOE1WMFViS0lPMHh2VktvR3BGcWdnSjJYQUZ1cG01M2lKUXJHVDFvc2ZIRVJRMGZORXFBWklBUQ?oc=5) · Law360
- 2022-07-28 [20 People to Know in Banking: Tony Raley, Monticello Banking Co. - Louisville Business First - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNRFJfem1fc0J6ektsUXh6NlpDd0g3M1g2R3lKUkFZVThFdUl5cDZtR3hiZGJUSW9ad0g5eFZ4TGZodUktZERYV0lhQ0VOdEJfX3lzQ1VMMUdsXzRmdzQxejVHQXQwdXpMaVU2QWg0NTF3LTRvVVN4c2hiR1VQRGFzNFpQS0ZZUEh4Vm1PNXd3Y0FESndhZ2tRSGx5YmpES1Qt?oc=5) · The Business Journals
- 2024-02-15 [Ex-office manager for Kentucky economic development group pleads guilty to wire fraud - Lexington Herald Leader](https://news.google.com/rss/articles/CBMicEFVX3lxTE4xVWNfd2FOTmJfQzZDb1RGb2RJbXQ3dDFUNmxud1NydWNST0lnVnhMemlNMjdha3hRX0pQZFRfZVMtV0ZRWHZlbDdpc0NwSGU1Q0Rzd2VlZzRTblBPTDFtYWh5NDI0VkhwOEp1Zm03ZDXSAXBBVV95cUxQRzlTampRM2ljRTcwYWJKMUpyVGRpcHBjU2FGR012SHoxWHo0MTdGc3RaTHRlU19Ga3dYcTNZb2xmSzlpUGZrQWNnN3ZzNTU1Y1VnVEtLSkt5QUpjeWI2Yll3SnFHZFo0dlByeG5YZk15?oc=5) · Lexington Herald Leader
- 2006-11-05 [A city says goodbye - Bowling Green Daily News](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1raEc5Y18xV3Q2TmJHdXYxRzQ2bXFqWFdXN3FoMGYtbXhpaDVySmVOcE92YzZ2Yl9UalZ6V1JvRHVVOFEtREVfQmE2X0RYUWpmSEtWWUdUeVhJYjlLcUYzZ1lIdmtJUQ?oc=5) · Bowling Green Daily News
- 2022-07-11 [Here are the area bank branches that closed in the first half of 2022 - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNcUpxekNDQU5vOHZlMHVMTnlUQlk2ZGN0VnVjRWNiQjBoTlNLeS1uRVpvRW1mQVJEMFE2SDNOOHVFUjVpZjY1MDhuN2I1QVBOVndkUU1FdUU0MWZ0VGRQZVRLSnZSbWhBSlFQQ0loemtubF8xQW45Z0VuaGhvTzgzamxJLXdGRExtNE0xYnkwUmhPSXhIWDdGemxCSzFoQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=292 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "292", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide