Bank of Monticello (Monticello, GA)
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Data as of · sourced from FFIEC call reports. How we update
Bank of Monticello is an FDIC-insured commercial bank headquartered in Monticello, GA, established in 1909 (FDIC certificate 2145), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $158.0M, up 3.0% from Q2 2025, the 99th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 19.57% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2145
- Headquarters
- Monticello, GA
- Established
- 1909
- Total assets, Q2 2026
- $158.0M
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 19.57%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061103315
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Monticello call report
- Holding company
- MONTICELLO BANCSHARES, INC.
- Asset rank in state
- 99th of 121 in Georgia
Bank of Monticello is one of the more profitable banks of its size. The Monticello, Georgia bank had $158 million in assets at June 30, 2026, up 3.0% from a year earlier. It earns about $3.33 a year on every $100 of assets, 2.6 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.06% of loans from 1.84%.
As of June 30, 2026, Bank of Monticello reported a CET1 capital ratio of 19.57%, a return on assets of 3.33%, a nonperforming-loan ratio of 1.06% and a Texas ratio of 5.19%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Bank of Monticello is the 99th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.5% to $158.0M, loans rose 3.1% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.5% of total loans, followed by construction and land development loans at 28.5%. Its one office in the FDIC Summary of Deposits is in Monticello, GA. By the capital ratios in its Q2 2026 call report, Bank of Monticello meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 141 E Greene St, Monticello, GA 31064
- County
- Jasper
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1909
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $135.6M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- -$105K
- Average total assets
- $155.6M
- Average total loans
- $112.9M
- Average interest-bearing deposits
- $83.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2145
- Fed RSSD
- 805335
- Website
- www.bankofmonticelloga.com →
- Parent Holding Company
- MONTICELLO BANCSHARES, INC. (RSSD 2412139)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of Monticello's total assets moved between a low of $149.9M (Q4 2023) and a high of $160.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$158.0M total assets against $153.3M; $136.5M total liabilities against $134.1M.
$113.0M net loans and leases against $110.1M; $135.6M total deposits against $133.1M.
$15.9M securities against $17.7M; $24.7M cash and balances due against $21.0M.
$2.6M total interest income against $2.5M; $429K total interest expense against $405K.
$2.2M net interest income against $2.1M.
$160K total noninterest income against $166K; $976K total noninterest expense against $991K.
$37K provision for credit losses against $38K.
$1.3M net income against $1.2M.
3.33% return on assets against 3.17%; 5.73% net interest margin against 5.64%.
19.57% CET1 capital ratio against 18.20%; 14.52% tier 1 leverage ratio against 13.63%.
Inside the full Bank of Monticello terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Monticello rankings
Its closest position to the top of a national ranking is 48 of 3,611, for ROA; its furthest is 3,236 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.48% (Q4 2025) to 3.40% (Q3 2025) and its net interest margin ran from 5.37% (Q1 2025) to 5.93% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.57% | 3.33% | 1.06% | 5.19% | 5.73% |
| Q1 2026 | 20.18% | 3.21% | 1.44% | 7.35% | 5.67% |
| Q4 2025 | 19.11% | 2.48% | 1.38% | 8.15% | 5.87% |
| Q3 2025 | 19.30% | 3.40% | 1.76% | 9.20% | 5.93% |
| Q2 2025 | 18.20% | 3.17% | 1.84% | 9.90% | 5.64% |
| Q1 2025 | 19.12% | 2.87% | 1.70% | 8.79% | 5.37% |
| Q4 2024 | 18.32% | 2.67% | 1.75% | 9.30% | 5.62% |
| Q3 2024 | 17.67% | 2.98% | 1.47% | 8.07% | 5.51% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Monticello (main office) | Monticello , GA | 31064 | $135.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 132 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Monticello
What are Bank of Monticello's total assets?
As of the Q2 2026 filing, Bank of Monticello reported total assets of $158.0 million in its FFIEC call report.
Where is Bank of Monticello headquartered?
It is headquartered in Monticello, GA, United States.
When was Bank of Monticello founded?
It was established in 1909, per the FDIC institution directory.
Is Bank of Monticello FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Monticello?
Bank of Monticello's primary federal regulator is the FDIC.
What is Bank of Monticello's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Monticello operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Monticello's Texas Ratio?
Its Texas Ratio is 5.19% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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