Institution profile

The Monticello Banking Company

Bank · Active · Headquarters: Monticello, KY

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name: The Monticello Banking Company
Display name: The Monticello Banking Company
Institution status: Active
FDIC insured: Yes
FDIC insured since: January 1, 1934
Established date: January 1, 1895
Charter class: State-chartered commercial bank, member of the Federal Reserve System (FRS)
Primary federal regulator: Federal Reserve Board
Headquarters: Monticello, KY, 42633, United States
Website: https://mbcbank.com
FDIC certificate number: 292
Federal Reserve RSSD ID: 266945
Domestic location count: 21
Source observed: August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status: ACTIVE
Primary federal regulator: FRS
Institution type: State Member Bank
Primary activity: NAICS 52211
FDIC certificate: 292
Federal Reserve RSSD ID: 266945
Headquarters: 50 North Main Street, Monticello, KY, 42633, United States
Primary deposit insurer: Deposit Insurance Fund (DIF)
Source observed: August 19, 2026

Branch network

Listed locations

Showing 1 through 20 of 20 listed locations

StateCity or branch

Scroll sideways to see every branch column.

Showing 1 through 20 of 20 FFIEC NIC branch locations
Branch	Address	City	State	Postal code
NORTH CROSS STREET BRANCH	310 North Cross	Albany	KY	42602
BOWLING GREEN BRANCH	1945 Scottsville Road	Bowling Green	KY	42101
CAVE MILL BRANCH	1840 Cave Mill Road	Bowling Green	KY	42104
DANVILLE BRANCH	113 Smoky Way	Danville	KY	40422
FRANKFORT	100 East West Connector, KY Hwy 676	Frankfort	KY	40601
GLASGOW BRANCH	1434 Happy Valley Road	Glasgow	KY	42141
MOUND OFFICE	102 E Mound Street	Harlan	KY	40831
VILLAGE CENTER BRANCH	181 Finance Street	Harlan	KY	40831
BEAUMONT BRANCH	997 Governors Lane, Suite 125	Lexington	KY	40513
LIBERTY BRANCH	611 North Wallace Wilkinson Boulevard	Liberty	KY	42539
LONDON BRANCH	1004 West Fifth Street	London	KY	40741
HURSTBOURNE	9900 Ormsby Station	Louisville	KY	40223
HIGHWAY 90 BRANCH	28 Barnes Drive	Monticello	KY	42633
MONTICELLO MOTOR BRANCH	95 Main Street	Monticello	KY	42633
TRADEWAY BRANCH	1450 North Main Street	Monticello	KY	42633
NICHOLASVILLE BRANCH	104 Springdale Drive	Nicholasville	KY	40356
RICHMOND BRANCH	275 East Main Street	Richmond	KY	40475
RUSSELL SPRINGS BRANCH	2449 South Highway 127	Russell Springs	KY	42642
SOMERSET BRANCH	475 East Highway 80	Somerset	KY	42501
SOMERSET BRANCH	3653 South Highway 27	Somerset	KY	42501

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating: Satisfactory
Exam date: September 5, 2023
Regulator: Federal Reserve
Examination method: Intermediate Small Bank

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam date	CRA rating	Regulator	Examination method
September 5, 2023	Satisfactory	Federal Reserve	Intermediate Small Bank
January 27, 2020	Satisfactory	Federal Reserve	Intermediate Small Bank
October 17, 2016	Satisfactory	Federal Reserve	Intermediate Small Bank
September 9, 2013	Satisfactory	Federal Reserve	Intermediate Small Bank
July 11, 2011	Satisfactory	Federal Reserve	Intermediate Small Bank
September 5, 2008	Satisfactory	FDIC	Intermediate Small Bank
June 1, 2005	Outstanding	FDIC	Large Bank Exam
November 1, 1999	Outstanding	FDIC	Small Bank
February 1, 1997	Satisfactory	FDIC	Small Bank
December 1, 1994	Outstanding	FDIC	Not Reported
December 1, 1992	Outstanding	FDIC	Not Reported
January 1, 1991	Satisfactory	FDIC	Not Reported

Read the methodology

Institutional history

3 FFIEC NIC history events

Showing 1 through 3 of 3 history events

FFIEC NIC institutional history events
Event date	Event type	Related institution
September 8, 2018	Charter Discontinued (Merger or Purchase & Assumption)	—
March 18, 2017	Charter Discontinued (Merger or Purchase & Assumption)	—
September 9, 2002	Charter Discontinued (Merger or Purchase & Assumption)	—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC-reported organizational relationships

2 FFIEC NIC relationship records

Showing 1 through 2 of 2 relationship records

FFIEC NIC organizational relationships
Relationship	Institution	Type	Location
Direct relationship	TBOH INVESTMENTS, INC	Domestic Entity Other	Monticello, KY
ROOT_INSTITUTION	MONTICELLO BANKING COMPANY	State Member Bank	Monticello, KY

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type: FDIC-insured state-chartered member bank