BlastPoint's Banking Scorecard
The Monticello Banking Company
Community
Specialty: Commercial
KY
FDIC cert 292
Monticello, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
The Monticello Banking Company faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 10% in Community
- - Flatlined Growth: Bottom 27% in Community
- - Non-Interest-Bearing Deposit Share 13.70% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-1.1% YoY
-0.9% QoQ
|
-$251.3M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$810.1M
-1.1% YoY
-2.7% QoQ
|
-$165.3M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$938.7M
+1.3% YoY
-0.4% QoQ
|
-$225.9M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.08%
+49.6% YoY
+8.1% QoQ
|
-0.09% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.45%
+21.1% YoY
+1.7% QoQ
|
-0.21% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
65.06%
-12.1% YoY
-2.1% QoQ
|
+2.43% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.32%
+183.4% YoY
-20.7% QoQ
|
-0.31% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
86.30%
-2.4% YoY
-2.2% QoQ
|
+3.24% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
7.35%
-2.2% YoY
-3.9% QoQ
|
-13.70% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.23%
+183.4% YoY
-22.1% QoQ
|
-0.27% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.55%
+6.2% YoY
+40.8% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#46 of 432 · Bottom 10% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#67 of 245 · Bottom 27% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.08%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.35%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
62
62th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
60
60th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
58
58th pctile
Total Loans
Current: $810.1M · Tier avg: $975.5M
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
56
56th pctile
Total Deposits
Current: $938.7M · Tier avg: $1.2B
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.30% · Tier avg: 83.06%
41
41th pctile
Efficiency Ratio
Current: 65.06% · Tier avg: 62.63%
40
40th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.35% · Tier avg: 21.05%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.35% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
41
41th pctile
Efficiency Ratio
Current: 65.06% · Tier avg: 62.63%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.30% · Tier avg: 83.06%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
56
56th pctile
Total Deposits
Current: $938.7M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Total Loans
Current: $810.1M · Tier avg: $975.5M
60
60th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%