BlastPoint's Banking Scorecard
Bank of Monticello
Monticello, MO
3 branches across MO
Bank of Monticello has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.95% above tier average
- + Efficiency Ratio 22.10% below tier average
- + Net Interest Margin 0.11% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.5M
+5.1% YoY
-6.6% QoQ
|
-$229.6M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$94.8M
+9.8% YoY
+0.2% QoQ
|
-$160.9M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$138.7M
+5.0% YoY
-6.5% QoQ
|
-$189.2M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
2.22%
+1.2% YoY
+7.4% QoQ
|
+0.95% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 8.3% in tier |
| Net Interest Margin ? |
4.05%
+4.1% YoY
-2.5% QoQ
|
+0.11% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
43.19%
-0.9% YoY
-13.4% QoQ
|
-22.10% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 6.8% in tier |
| Delinquency Rate ? |
2.15%
-26.6% YoY
+0.1% QoQ
|
+1.26% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.2% in tier |
| Loan-to-Deposit Ratio ? |
68.33%
+4.6% YoY
+7.1% QoQ
|
-8.31% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
19.63%
+11.6% YoY
-5.6% QoQ
|
-2.39% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.30%
-23.2% YoY
+7.4% QoQ
|
+0.66% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.1% in tier |
| Tier 1 Capital Ratio ? |
11.41%
-0.7% YoY
-7.1% QoQ
|
-4.42% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.05%
-6.0% YoY
-75.9% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
19% |
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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.