Monticello Banking Co (FDIC #292): Bank Stress & Real-Estate Credit Exposure
Monticello Banking Co (FDIC Cert #292): bank stress 76/100, severe, STABLE over 7 days; parent MONTICELLO BANKSHARES INC.
Monticello Banking Co (#292) lends in 15 counties across 1 state; Monticello Banking Co (#292) reaches 166 ZIP codes: Kentucky 15 counties, 166 ZIPs.
Monticello Banking Co (#292) largest markets: Jefferson County, KY (43 branches, 43 ZIPs) (#292), Harlan County, KY (54 branches, 27 ZIPs) (#292), Fayette County, KY (19 branches, 19 ZIPs) (#292), Casey County, KY (15 branches, 15 ZIPs) (#292), Barren County, KY (12 branches, 12 ZIPs) (#292), Pulaski County, KY (22 branches, 11 ZIPs) (#292).
Monticello Banking Co (#292) reports $1.07 billion in total assets; Monticello Banking Co (#292) equity $92.4 million (8.7% of Monticello Banking Co (#292) assets); Monticello Banking Co (#292) domestic deposits $924.3 million; Monticello Banking Co (#292) net income $5.3 million; Monticello Banking Co (#292) return on assets 0.97%; Monticello Banking Co (#292) return on equity 11.18%; Monticello Banking Co (#292) net interest income $18.8 million; Monticello Banking Co (#292) call report June 30, 2026.
Monticello Banking Co (#292) noncurrent real-estate loans 0.01% of its book; Monticello Banking Co (#292) net charge-offs on real estate 0.12%; Monticello Banking Co (#292) residential charge-offs 0.01%.
Monticello Banking Co (#292) net interest margin 3.68% against an eight-quarter Monticello Banking Co (#292) average of 3.29% (Monticello Banking Co (#292) compression -0.39 points); Monticello Banking Co (#292) real-estate loans 0.6% of equity; Monticello Banking Co (#292) non-residential real estate 0.5% of equity; Monticello Banking Co (#292) rate-exposure score 40/100, Monticello Banking Co (#292) fixed-rate trap 40/100; Monticello Banking Co (#292) risk type credit driven; Monticello Banking Co (#292) rate regime rates elevated, Monticello Banking Co (#292) snapshot October 19, 2026.
Monticello Banking Co (#292) stress score moved from 73.7 on June 22, 2026 to 75.9 on October 20, 2026; Monticello Banking Co (#292) ranged 73.7 to 75.9 over 117 snapshots.
Monticello Banking Co (#292) alerts: 15 counties; top Monticello Banking Co (#292) alert scores: Harlan County, KY 46 (moderate); Albany County, KY 25 (low); Bowling Green County, KY 25 (low); Danville County, KY 25 (low); Frankfort County, KY 25 (low).