BlastPoint's Banking Scorecard
The Monticello Banking Company
Designations: ✓ Community bank
Monticello, KY
21 branches across KY
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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
- Deposits -4.0% year over year ($924.3M on the books).
- Delinquency rate 0.11%.
- Return on assets 0.97%.
- Efficiency ratio 69.80% vs a 59.73% peer average.
- Loan-to-deposit ratio 82.80% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Monticello Banking Company has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 29.9% in tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 0.9% in tier
- - Credit Quality Pressure: Bottom 4.5% in tier
- - Deposit Outflow: Bottom 13.7% in tier
- - Non-Interest-Bearing Deposit Share 14.56% below tier average
- - ROA 0.42% below tier average
- - Net Interest Margin 0.19% below tier average
- - Efficiency Ratio 10.07% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-7.9% YoY
-2.4% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.9% in tier |
| Total Loans ? |
$765.3M
-8.1% YoY
-1.7% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.5% in tier |
| Total Deposits ? |
$924.3M
-4.0% YoY
-2.6% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.9% in tier |
| Return on Assets ? |
0.97%
-1.2% YoY
+1.5% QoQ
|
-0.42% |
1.39%
+17.0% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
3.68%
+10.4% YoY
+1.8% QoQ
|
-0.19% |
3.87%
+6.2% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
69.80%
+5.2% YoY
+0.1% QoQ
|
+10.07% |
59.73%
-12.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.11%
+13.1% YoY
-26.5% QoQ
|
-0.76% |
0.87%
+11.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
Top 13.0% in tier |
| Loan-to-Deposit Ratio ? |
82.80%
-4.2% YoY
+0.9% QoQ
|
-2.24% |
85.04%
-0.1% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
6.71%
-10.2% YoY
+7.2% QoQ
|
-14.56% |
21.27%
-1.5% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.9% in tier |
| Nonperforming Asset Ratio ? |
0.08%
+12.9% YoY
-26.0% QoQ
|
-0.60% |
0.67%
+11.7% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 12.7% in tier |
| Tier 1 Capital Ratio ? |
10.17%
+3.1% YoY
-0.7% QoQ
|
-4.67% |
14.84%
-0.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 7.2% in tier |
| Non-Interest Income / Assets ? |
0.27%
+8.7% YoY
+107.1% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
46% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
6.7%
-0.8pp YoY +0.5pp QoQ |
-14.7pp | 21.4% | 23.5% | 22.2% | 5% |
| Brokered Deposits |
3.4%
-0.6pp YoY -0.7pp QoQ |
-6.1pp | 9.5% | 5.4% | 8.5% | 38% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.7%
-0.7pp YoY -0.2pp QoQ |
-10.3pp | 14.0% | 8.6% | 12.5% | 12% |
| CRE |
50.6%
-1.4pp YoY -0.4pp QoQ |
+0.6pp | 50.0% | 37.1% | 41.4% | 53% |
| 1-4 Family |
37.3%
+1.4pp YoY +0.5pp QoQ |
+10.8pp | 26.4% | 41.6% | 31.3% | 78% |
| Consumer |
2.2%
0.0pp YoY 0.0pp QoQ |
-2.5pp | 4.7% | 4.8% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
10.2%
+0.3pp YoY -0.1pp QoQ |
-1.1pp | 11.3% | 14.0% | 12.6% | 41% |
| Total Capital Ratio | n/a | n/a | 16.7% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
207
+10 (+5.1%) YoY +4 (+2.0%) QoQ |
-107 | 313 | 105 | 482 | 44% |
| Assets per Employee ($) |
$5.2M
-12.3% YoY -4.3% QoQ |
-$5.3M | $10.5M | $6.3M | $8.8M | 5% |
| Branch Count |
21
+1 (+5.0%) YoY 0 QoQ |
+1 | 20 | 8 | 18 | 68% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 44% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 0.8% | 1.0% | 9% |
| Allowance Coverage |
11.01x
-7.1% YoY +38.1% QoQ |
-7.70x | 18.71x | 7.45x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 30% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.2%
-1.5pp YoY +0.2pp QoQ |
-1.4pp | 12.6% | 13.3% | 11.6% | 42% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY -0.1pp QoQ |
-0.2pp | 1.9% | 1.7% | 1.7% | 40% |
| Net Income ($, YTD) |
$5.3M
-6.3% YoY — QoQ |
-$13.9M | $19.2M | $5.1M | $40.4M | 13% |
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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 (3)
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.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.