This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Monticello, KY
Health score
69.9
Total assets
$1.1B
Bank
Paducah, KY
Health score
88.0
Total assets
$1.1B
Answer first
The Monticello Banking Company leads on lending quality; The Paducah Bank and Trust Company leads on financial health and capitalization and profitability and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The Paducah Bank and Trust Company
Higher TFS health score
Capitalization
The Paducah Bank and Trust Company
Higher comparable capital ratio
Profitability
The Paducah Bank and Trust Company
Higher return on assets
Lending quality
The Monticello Banking Company
Lower problem-loan measure
Growth
The Paducah Bank and Trust Company
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | The Monticello Banking Company | The Paducah Bank and Trust Company |
|---|---|---|
| TFS health score | 69.9/100 | 88.0/100Leads |
| Total assets | $1.1B | $1.1B |
| Total deposits / shares | $924.3M | $844.2M |
| Tier 1 capital ratio | 10.17% | 10.63%Leads |
| Return on assets | 0.97% | 2.25%Leads |
| Return on equity | 11.18% | 21.52% |
The Monticello Banking Company
21 branches
The Paducah Bank and Trust Company
6 branches
Both institutions report branches in 1 state: KY.
The Monticello Banking Company
Unavailable
The Paducah Bank and Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
The Monticello Banking Company
0 in TFS registry
The Paducah Bank and Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | The Monticello Banking Company score | The Monticello Banking Company ROA | The Paducah Bank and Trust Company score | The Paducah Bank and Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.61% | — | 1.35% |
| 2024-Q4 | — | 0.72% | — | 1.41% |
| 2025-Q1 | — | 0.90% | — | 1.65% |
| 2025-Q2 | — | 0.98% | — | 1.70% |
| 2025-Q3 | — | 1.00% | — | 1.76% |
| 2025-Q4 | — | 1.08% | — | 1.83% |
| 2026-Q1 | 71.6/100 |
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Coverage boundaries
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.11%Leads | 0.19% |
| Net charge-offs | 0.01%Leads | 0.02% |
| Efficiency ratio | 69.80% | 54.60%Leads |
| Loan-to-deposit ratio | 82.80% | 94.48% |
| Asset growth (YoY) | -7.87% | 3.97%Leads |
| Deposit / share growth (YoY) | -3.98% | 2.56%Leads |
| Branches | 21 | 6 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.95% |
| 85.2/100 |
| 2.33% |
| 2026-Q2 | 69.9/100 | 0.97% | 88.0/100 | 2.25% |