BANK OF MONTICELLO

MONTICELLO, GA | Small | Est. Jan. 1, 1909, midnight | FDIC #2145 | RSSD #805335 | FDIC
Latest Report: 2025-12-31

BANK OF MONTICELLO is asn small FDIC-insured commercial bank headquartered in MONTICELLO, GA, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $158M and total deposits of $137M. Profitability stands at 2.40% ROA and 17.80% ROE, with a net interest margin of 6.07%. The bank's CET1 capital ratio is 19.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.33% and a Texas Ratio of 7.90%. FDIC Certificate #2145.

Assets

$158M

Deposits

$137M

Loans

$113M

Equity

$21M

Profitability

Return on Assets (ROA) 2.40%
Return on Equity (ROE) 17.80%
Net Interest Margin (NIM) 6.07%
Yield on Assets 7.16%
Cost of Funds 1.17%

Asset Quality

NPL Ratio 1.33%
Net Charge-Off Ratio 0.42%
Texas Ratio 7.90%
NPA Ratio 1.12%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 19.11%
Tier 1 Capital 19.11%
Total Capital Ratio 20.36%
Leverage Ratio 14.55%
Loan-to-Deposit 82.65%

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