BlastPoint's Banking Scorecard
The Monticello Banking Company
Designations: ✓ Community bank
Monticello, KY
21 branches across KY
The Monticello Banking Company has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 23.6% in tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1.8% in tier
- - Credit Quality Pressure: Bottom 6.2% in tier
- - Non-Interest-Bearing Deposit Share 15.03% below tier average
- - ROA 0.41% below tier average
- - Net Interest Margin 0.20% below tier average
- - Efficiency Ratio 8.65% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-6.4% YoY
-4.0% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.6% in tier |
| Total Loans ? |
$778.9M
-7.3% YoY
-3.9% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.1% in tier |
| Total Deposits ? |
$949.4M
+0.6% YoY
+1.1% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.2% in tier |
| Return on Assets ? |
0.95%
+6.4% YoY
-11.6% QoQ
|
-0.41% |
1.37%
+19.6% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.62%
+11.4% YoY
+4.9% QoQ
|
-0.20% |
3.82%
+6.9% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
69.71%
+1.5% YoY
+7.1% QoQ
|
+8.65% |
61.06%
-4.6% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.15%
+14.0% YoY
-53.4% QoQ
|
-0.74% |
0.89%
+14.1% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
82.04%
-7.8% YoY
-4.9% QoQ
|
-2.16% |
84.20%
+0.3% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
6.26%
-8.3% YoY
-14.8% QoQ
|
-15.03% |
21.29%
-2.5% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.7% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+13.0% YoY
-53.3% QoQ
|
-0.57% |
0.67%
+15.6% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
85% |
| Tier 1 Capital Ratio ? |
10.25%
+4.9% YoY
+4.1% QoQ
|
-4.91% |
15.16%
+2.0% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.6% in tier |
| Non-Interest Income / Assets ? |
0.13%
+5.1% YoY
-76.0% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
45% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.