BlastPoint's Banking Scorecard

Bank of Monticello

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

Monticello, GA

2664 banks in the $100M-$1B peer group nationally 99 in 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 21.5% in tier
+ Deposit Franchise: Top 39.7% in tier
+ Efficiency Ratio 22.00% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 35.7% in tier
- Delinquency Rate 0.58% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$160.4M +3.3% YoY +1.3% QoQ	-$225.7M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$109.5M +2.3% YoY -1.6% QoQ	-$146.2M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$137.6M +2.0% YoY +0.6% QoQ	-$190.4M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	3.14% +10.6% YoY +7.3% QoQ	+1.87%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 1.5% in tier
Net Interest Margin ?	5.65% +4.3% YoY -0.9% QoQ	+1.72%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 2.3% in tier
Efficiency Ratio ?	43.28% -5.2% YoY -1.7% QoQ	-22.00%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 7.0% in tier
Delinquency Rate ?	1.47% -15.0% YoY +4.7% QoQ	+0.58%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	79.61% +0.3% YoY -2.2% QoQ	+2.97%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	31.00% +15.3% YoY -6.5% QoQ	+8.98%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	1.09% -8.2% YoY -5.4% QoQ	+0.46%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	20.18% +5.5% YoY +5.6% QoQ	+4.35%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 12.8% in tier
Non-Interest Income / Assets ?	0.11% +15.7% YoY -82.8% QoQ	-0.17%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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

#144 of 666 • Top 21.5% in tier

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

Why this signature

Return on Assets: 3.14%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#109 of 272 • Top 39.7% 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: 31.00%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.65%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#265 of 739 • Bottom 35.7% 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: 20.18%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 79.61%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 3.14%

Peer Median: 1.27%

#42 of 2664 Top 1.5% in $100M-$1B

Net Interest Margin

profitability

Value: 5.65%

Peer Median: 3.93%

#63 of 2664 Top 2.3% in $100M-$1B

188

Efficiency Ratio

profitability

Value: 43.28%

Peer Median: 65.29%

#188 of 2664 Top 7.0% in $100M-$1B

343

Tier 1 Capital Ratio

capital

Value: 20.18%

Peer Median: 15.83%

#343 of 2664 Top 12.8% in $100M-$1B

420

Non-Interest-Bearing Deposit Share

funding

Value: 31.00%

Peer Median: 22.02%

#420 of 2664 Top 15.7% in $100M-$1B

Top Weaknesses (5 metrics)

2205

Total Assets

size

Value: $160.43M

Peer Median: $386.08M

#2205 of 2664 Bottom 17.3% in $100M-$1B

2196

Total Deposits

size

Value: $137.56M

Peer Median: $327.97M

#2196 of 2664 Bottom 17.6% in $100M-$1B

2195

Nonperforming Asset Ratio

credit_quality

Value: 1.09%

Peer Median: 0.64%

#2195 of 2664 Bottom 17.6% in $100M-$1B

2160

Delinquency Rate

credit_quality

Value: 1.47%

Peer Median: 0.89%

#2160 of 2654 Bottom 18.7% in $100M-$1B

2063

Total Loans

size

Value: $109.51M

Peer Median: $255.72M

#2063 of 2664 Bottom 22.6% in $100M-$1B