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Bank of Monticello

$100M-$1B Specialty: Commercial GA FDIC cert 2145

Monticello, GA

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 96 in GA.
  • Deposits +1.9% year over year ($135.6M on the books).
  • Delinquency rate 1.07%.
  • Return on assets 3.21%.
  • Efficiency ratio 42.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.31% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

Bank of Monticello has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 24.7% in tier
  • + Deposit Franchise: Top 47.5% in tier
  • + Efficiency Ratio 22.06% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 34.5% in tier
  • - Delinquency Rate 0.15% above tier average
Get updates when Bank of Monticello releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $158.0M
+3.0% YoY -1.5% QoQ
-$228.5M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $113.0M
+2.6% YoY +3.1% QoQ
-$145.4M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $135.6M
+1.9% YoY -1.4% QoQ
-$191.1M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
17%
Return on Assets ? 3.21%
+7.5% YoY +2.0% QoQ
+1.88% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 1.6% in tier
Net Interest Margin ? 5.68%
+2.5% YoY +0.6% QoQ
+1.70% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 2.2% in tier
Efficiency Ratio ? 42.42%
-5.0% YoY -2.0% QoQ
-22.06% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Top 6.0% in tier
Delinquency Rate ? 1.07%
-42.6% YoY -26.9% QoQ
+0.15% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 83.31%
+0.7% YoY +4.6% QoQ
+5.35% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 30.08%
+9.3% YoY -3.0% QoQ
+8.05% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.77%
-42.9% YoY -29.8% QoQ
+0.10% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 19.57%
+7.5% YoY -3.0% QoQ
+3.66% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 14.7% in tier
Non-Interest Income / Assets ? 0.21%
+4.0% YoY +96.5% QoQ
-0.36% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
53%

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 (GA) National Avg Tier Percentile
Noninterest-Bearing 30.1%
+2.6pp YoY
-0.9pp QoQ
 +7.9pp 22.1% 26.2% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 9.1%
-1.0pp YoY
-1.4pp QoQ
 -2.5pp 11.6% 9.7% 12.5% 47%
CRE 49.8%
+2.8pp YoY
+0.2pp QoQ
 +10.2pp 39.5% 48.9% 41.4% 70%
1-4 Family 35.0%
-0.3pp YoY
+1.5pp QoQ
 +2.4pp 32.6% 31.7% 31.3% 61%
Consumer 7.7%
-0.1pp YoY
-0.2pp QoQ
 +3.6pp 4.1% 4.8% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 19.6%
+1.4pp YoY
-0.6pp QoQ
 +0.7pp 18.8% 20.9% 19.7% 76%
Leverage Ratio 14.5%
+0.9pp YoY
-0.3pp QoQ
 +2.3pp 12.2% 14.0% 12.6% 84%
Total Capital Ratio 20.8%
+1.4pp YoY
-0.6pp QoQ
 +0.9pp 19.9% 22.1% 20.8% 76%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 22
-1 (-4.3%) YoY
0 QoQ
 -37 58 98 482 14%
Assets per Employee ($) $7.2M
+7.7% YoY
-1.5% QoQ
 -$335K $7.5M $7.5M $8.8M 55%
Branch Count 1
0 YoY
0 QoQ
 -4 4 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 1.1%
-0.8pp YoY
-0.4pp QoQ
 +0.1pp 0.9% 0.8% 1.0% 73%
Allowance Coverage 1.52x
+104.3% YoY
+34.6% QoQ
 -22.64x 24.15x 38.10x 20.23x 40%
Net Charge-off Rate (YTD) -0.2%
-0.3pp YoY
+0.2pp QoQ
 -0.3pp 0.1% 0.1% 0.2% 1%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 23.8%
-0.4pp YoY
+0.4pp QoQ
 +11.6pp 12.2% 13.6% 11.6% 95%
Cost of Funds (YTD) 1.1%
0.0pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 15%
Net Income ($, YTD) $2.5M
+11.0% YoY
— QoQ
 -$7K $2.6M $6.6M $40.4M 63%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#164 of 661 • Top 24.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.21%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#133 of 278 • Top 47.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 30.08%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.68%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#257 of 742 • Bottom 34.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.57%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 83.31%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

42
Return on Assets
profitability
Value: 3.21%
Peer Median: 1.32%
#42 of 2643 Top 1.6% in $100M-$1B
60
Net Interest Margin
profitability
Value: 5.68%
Peer Median: 3.99%
#60 of 2643 Top 2.2% in $100M-$1B
159
Efficiency Ratio
profitability
Value: 42.42%
Peer Median: 64.48%
#159 of 2643 Top 6.0% in $100M-$1B
390
Tier 1 Capital Ratio
capital
Value: 19.57%
Peer Median: 15.91%
#390 of 2643 Top 14.7% in $100M-$1B
471
Non-Interest-Bearing Deposit Share
funding
Value: 30.08%
Peer Median: 22.03%
#471 of 2643 Top 17.8% in $100M-$1B

Top Weaknesses (3 metrics)

2213
Total Assets
size
Value: $158.02M
Peer Median: $386.57M
#2213 of 2643 Bottom 16.3% in $100M-$1B
2194
Total Deposits
size
Value: $135.59M
Peer Median: $326.73M
#2194 of 2643 Bottom 17.0% in $100M-$1B
2036
Total Loans
size
Value: $112.95M
Peer Median: $258.35M
#2036 of 2643 Bottom 23.0% in $100M-$1B
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