The Monticello Banking Company holds $963M in deposits across 14 counties in 4 ranked markets and 1 state. Its deposit footprint is highly concentrated: the top three counties (Wayne County, Pulaski County, Harlan County) hold 71% of its deposits. It ranks among the three largest institutions in 5 of the 14 counties where it operates.
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Data as of June 30, 2025 (FDIC Summary of Deposits)
| County | Deposits | County’s % of Bank’s Deposits | Bank’s % of County Deposits | Branches | |
|---|---|---|---|---|---|
| 1. | Wayne County, KY | $363M | 37.7% | 72.8% | 4 |
| 2. | Pulaski County, KY | $190M | 19.8% | 10.3% | 2 |
| 3. | Harlan County, KY | $133M | 13.9% | 25.9% | 2 |
| 4. | Clinton County, KY | $63M | 6.6% | 24.7% | 1 |
| 5. | Warren County, KY | $46M | 4.8% | 1.2% | 2 |
| 6. | Boyle County, KY | $42M | 4.4% | 3.7% | 1 |
| 7. | Russell County, KY | $35M | 3.6% | 5.2% | 1 |
| 8. | Casey County, KY | $26M | 2.7% | 7.2% | 1 |
| 9. | Fayette County, KY | $19M | 1.9% | 0.2% | 1 |
| 10. | Jessamine County, KY | $12M | 1.3% | 1.3% | 1 |
| 11. | Barren County, KY | $12M | 1.2% | 1.1% | 1 |
| 12. | Madison County, KY | $9M | 1.0% | 0.5% | 1 |
| 13. | Laurel County, KY | $7M | 0.8% | 0.6% | 1 |
| 14. | Jefferson County, KY | $5M | 0.5% | 0.0% | 1 |
Deposits are as reported to the FDIC at branch level, June 30, 2025, and are nominal. “County’s % of Bank’s Deposits” is this county’s share of the institution’s total deposits; “Bank’s % of County Deposits” is this institution’s deposits as a percent of all deposits booked in that county. Counties within a Combined or Metropolitan Statistical Area link to their full profile; other counties are shown for completeness.
All 293 markets and the 1,533 counties within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates.