BANK OF MONTICELLO

MONTICELLO, MO | Small | Est. Feb. 27, 1928, midnight | FDIC #12232 | RSSD #937553 | FDIC
Latest Report: 2025-12-31

BANK OF MONTICELLO is asn small FDIC-insured commercial bank headquartered in MONTICELLO, MO, established in Feb. 27, 1928, midnight. As of 2025-12-31, the bank reported total assets of $168M and total deposits of $148M. Profitability stands at 1.73% ROA and 16.65% ROE, with a net interest margin of 4.33%. The bank's CET1 capital ratio is 10.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.12% and a Texas Ratio of 11.23%. FDIC Certificate #12232.

Assets

$168M

Deposits

$148M

Loans

$96M

Equity

$17M

Profitability

Return on Assets (ROA) 1.73%
Return on Equity (ROE) 16.65%
Net Interest Margin (NIM) 4.33%
Yield on Assets 6.21%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 2.12%
Net Charge-Off Ratio -0.05%
Texas Ratio 11.23%
NPA Ratio 1.21%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 10.15%
Tier 1 Capital 10.15%
Total Capital Ratio 10.66%
Leverage Ratio 12.28%
Loan-to-Deposit 64.52%

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