BlastPoint's Banking Scorecard
Bank of Monticello
Monticello, MO
3 branches across MO
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 140 in MO.
- Deposits +4.0% year over year ($140.4M on the books).
- Delinquency rate 2.34%.
- Return on assets 2.21%.
- Efficiency ratio 46.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Monticello has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.88% above tier average
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 18.26% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.43% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$159.0M
+4.5% YoY
+1.6% QoQ
|
-$227.5M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$101.3M
+10.2% YoY
+6.9% QoQ
|
-$157.0M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$140.4M
+4.0% YoY
+1.2% QoQ
|
-$186.3M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
2.21%
+4.7% YoY
-0.6% QoQ
|
+0.88% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Top 8.7% in tier |
| Net Interest Margin ? |
4.14%
+2.1% YoY
+2.4% QoQ
|
+0.16% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
46.22%
-2.6% YoY
+7.0% QoQ
|
-18.26% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Top 10.5% in tier |
| Delinquency Rate ? |
2.34%
-10.1% YoY
+9.1% QoQ
|
+1.43% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.8% in tier |
| Loan-to-Deposit Ratio ? |
72.16%
+5.9% YoY
+5.6% QoQ
|
-5.79% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
21.65%
+12.4% YoY
+10.3% QoQ
|
-0.38% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
1.49%
-5.3% YoY
+14.8% QoQ
|
+0.83% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.3% in tier |
| Tier 1 Capital Ratio ? |
11.95%
+3.0% YoY
+4.7% QoQ
|
-3.96% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.11%
+1.9% YoY
+125.8% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
23% |
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.6%
+2.4pp YoY +2.0pp QoQ |
-0.5pp | 22.1% | 20.9% | 22.2% | 52% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-7.9pp | 7.9% | 7.4% | 8.5% | 3% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.4%
+0.2pp YoY -0.6pp QoQ |
-3.1pp | 11.6% | 12.3% | 12.5% | 43% |
| CRE | n/a | n/a | 39.5% | 36.8% | 41.4% | n/a |
| 1-4 Family |
16.7%
-1.0pp YoY -1.2pp QoQ |
-15.9pp | 32.6% | 31.9% | 31.3% | 23% |
| Consumer |
3.2%
-0.6pp YoY -0.4pp QoQ |
-0.9pp | 4.1% | 4.1% | 5.0% | 63% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
11.9%
+0.4pp YoY +0.5pp QoQ |
-0.2pp | 12.2% | 11.6% | 12.6% | 64% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
28
-1 (-3.4%) YoY 0 QoQ |
-31 | 58 | 162 | 482 | 24% |
| Assets per Employee ($) |
$5.7M
+8.3% YoY +1.6% QoQ |
-$1.8M | $7.5M | $8.0M | $8.8M | 27% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
0.0pp YoY +0.2pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.4% | 60% |
| Nonaccrual |
2.2%
-0.3pp YoY 0.0pp QoQ |
+1.2pp | 0.9% | 0.8% | 1.0% | 89% |
| Allowance Coverage |
0.46x
+10.6% YoY -14.0% QoQ |
-23.69x | 24.15x | 10.47x | 20.23x | 9% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.3% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.5%
-0.8pp YoY -0.4pp QoQ |
+9.3pp | 12.2% | 14.3% | 11.6% | 91% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 50% |
| Net Income ($, YTD) |
$1.8M
+12.3% YoY — QoQ |
-$778K | $2.6M | $11.3M | $40.4M | 48% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.