Total Assets
$1.1B
Total Deposits
$924.3M
Branches
21
Established
1895
The Monticello Banking Company is a bank headquartered in Monticello, Kentucky, established in 1895. It holds $1.1B in total assets across 21 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Monticello Banking Company earns a TFS Financial Health Grade of C+ (69.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
69.9 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Monticello Banking CompanyHQ | 50 N Main St | Monticello | KY | 11 |
| The Monticello Banking Company | 310 N Cross St | Albany | KY | 11 |
| The Monticello Banking Company | 1050 Wilkinson Trace | Bowling Green | KY | 11 |
| The Monticello Banking Company | 1840 Cave Mill Rd | Bowling Green | KY | 11 |
| The Monticello Banking Company | 113 Smoky Way | Danville | KY | 11 |
| The Monticello Banking Company | 100 East West Connector | Frankfort | KY | 11 |
| The Monticello Banking Company | 1434 Happy Valley Rd | Glasgow | KY | 11 |
| The Monticello Banking Company | 102 E Mound St | Harlan | KY | 11 |
| The Monticello Banking Company | 181 Finance St | Harlan | KY | 11 |
| The Monticello Banking Company | 997 Governors Ln | Lexington | KY | 11 |
| The Monticello Banking Company | 611 N Wallace Wilkinson Blvd | Liberty | KY | 11 |
| The Monticello Banking Company | 1004 W 5th St | London | KY | 11 |
| The Monticello Banking Company | 9900 Ormsby Station Rd | Louisville | KY | 11 |
| The Monticello Banking Company | 1450 N Main St | Monticello | KY | 11 |
| The Monticello Banking Company | 28 Barnes Dr | Monticello | KY | 12 |
| The Monticello Banking Company | 95 N Main St | Monticello | KY | 11 |
| The Monticello Banking Company | 104 Springdale Dr | Nicholasville | KY | 11 |
| The Monticello Banking Company | 275 E Main St | Richmond | KY | 11 |
| The Monticello Banking Company | 2449 S Highway 127 | Russell Springs | KY | 11 |
| The Monticello Banking Company | 475 E Highway 80 | Somerset | KY | 11 |
| The Monticello Banking Company | 3653 S Highway 27 | Somerset | KY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
69.9
Tier 1 capital ratio
10.17%
Return on assets
0.97%
Non-performing loans
0.11%
Efficiency ratio
69.80%
Asset growth (YoY)
-7.87%
Suggested direct comparisons
Lexington, KY
$4.0B
Glasgow, KY
$1.2B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.