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Morgantown Bank & Trust Company, Incorporated

$100M-$1B Specialty: Commercial KY FDIC cert 275

Morgantown, KY

8 branches across KY · TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +8.2% year over year ($385.7M on the books).
  • Delinquency rate 0.24%.
  • Return on assets 0.82%.
  • Efficiency ratio 71.07% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Morgantown Bank & Trust Company, Incorporated has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 41.0% in tier
  • - ROA 0.50% below tier average
  • - Net Interest Margin 0.32% below tier average
  • - Efficiency Ratio 6.59% above tier average
Get updates when Morgantown Bank & Trust Company, Incorporated releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $439.7M
+6.0% YoY +1.1% QoQ
+$53.1M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
66%
Total Loans ? $352.0M
+9.4% YoY +3.2% QoQ
+$93.6M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $385.7M
+8.2% YoY +1.0% QoQ
+$59.0M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 0.82%
-0.8% YoY +5.8% QoQ
-0.50% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 3.67%
+9.3% YoY +1.4% QoQ
-0.32% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 71.07%
+4.7% YoY -1.5% QoQ
+6.59% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 0.24%
-26.6% YoY +7.9% QoQ
-0.68% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
62%
Loan-to-Deposit Ratio ? 91.26%
+1.0% YoY +2.2% QoQ
+13.31% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 15.28%
-2.8% YoY +1.5% QoQ
-6.75% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.23%
-10.2% YoY +3.4% QoQ
-0.44% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 11.44%
+0.0% YoY +0.1% QoQ
-4.46% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.31%
+12.7% YoY +116.8% QoQ
-0.25% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
74%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 15.3%
-0.4pp YoY
+0.2pp QoQ
 -6.9pp 22.1% 23.5% 22.2% 25%
Brokered Deposits 1.8%
-4.9pp YoY
-1.3pp QoQ
 -6.0pp 7.9% 5.4% 8.5% 28%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 4.5%
+0.6pp YoY
+0.2pp QoQ
 -7.1pp 11.6% 8.6% 12.5% 17%
CRE 30.0%
-1.6pp YoY
-1.2pp QoQ
 -9.6pp 39.5% 37.1% 41.4% 34%
1-4 Family 50.5%
+0.4pp YoY
+0.2pp QoQ
 +17.8pp 32.6% 41.6% 31.3% 83%
Consumer 4.1%
-0.1pp YoY
-0.1pp QoQ
 0.0pp 4.1% 4.8% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 11.4%
0.0pp YoY
0.0pp QoQ
 -7.4pp 18.8% 20.2% 19.7% 12%
Leverage Ratio 8.2%
0.0pp YoY
0.0pp QoQ
 -4.0pp 12.2% 14.0% 12.6% 3%
Total Capital Ratio 12.3%
0.0pp YoY
0.0pp QoQ
 -7.7pp 19.9% 21.3% 20.8% 10%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 70
+2 (+2.9%) YoY
0 QoQ
 +11 58 105 482 71%
Assets per Employee ($) $6.3M
+2.9% YoY
+1.1% QoQ
 -$1.2M $7.5M $6.3M $8.8M 38%
Branch Count 8
0 YoY
0 QoQ
 +3 4 8 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 21%
Nonaccrual 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 32%
Allowance Coverage 2.93x
+44.2% YoY
-6.5% QoQ
 -21.23x 24.15x 7.45x 20.23x 58%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 53%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 10.8%
-0.9pp YoY
+0.6pp QoQ
 -1.4pp 12.2% 13.3% 11.6% 41%
Cost of Funds (YTD) 2.5%
-0.1pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.7% 1.7% 89%
Net Income ($, YTD) $1.8M
+7.5% YoY
— QoQ
 -$776K $2.6M $5.1M $40.4M 48%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#284 of 691 • Bottom 41.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.26%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2017
Loan-to-Deposit Ratio
liquidity
Value: 91.26%
Peer Median: 77.95%
#2017 of 2643 Bottom 23.7% in $100M-$1B
2001
Return on Assets
profitability
Value: 0.82%
Peer Median: 1.32%
#2001 of 2643 Bottom 24.3% in $100M-$1B
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