Bank of Monticello: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income fell 5.8% from Q1 2026 to Q2 2026, ending at -$1.1M against -$1.0M. It was the largest change among the key lines on this page. Within Georgia, Bank of Monticello is 24th of 79 on CET1 ratio, 19.57% as of Q2 2026, above the middle of the field. Bank of Monticello reported 19.57% on CET1 ratio for Q2 2026, 4.50 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.57% |
| Tier 1 risk-based capital ratio | 19.57% |
| Total risk-based capital ratio | 20.82% |
| Tier 1 leverage ratio | 14.52% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $22.6M |
| Tier 1 capital | $22.6M |
| Total risk-based capital | $24.0M |
| Total equity capital | $21.5M |
| Risk-weighted assets | $115.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.62% |
| Tangible equity to tangible assets | 13.62% |
| Equity capital to average assets | 13.83% |
| Internal capital growth rate | -8.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $173K |
| Common stock surplus | $7.0M |
| Retained earnings | $15.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.54% | 16.54% | 17.76% | 12.08% | $111.0M |
| Q4 2023 | 17.17% | 17.17% | 18.42% | 12.29% | $106.0M |
| Q1 2024 | 18.48% | 18.48% | 19.74% | 12.87% | $104.0M |
| Q2 2024 | 17.50% | 17.50% | 18.75% | 12.69% | $107.8M |
| Q3 2024 | 17.67% | 17.67% | 18.92% | 13.27% | $110.8M |
| Q4 2024 | 18.32% | 18.32% | 19.57% | 13.15% | $108.6M |
| Q1 2025 | 19.12% | 19.12% | 20.37% | 13.75% | $109.7M |
| Q2 2025 | 18.20% | 18.20% | 19.45% | 13.63% | $113.6M |
| Q3 2025 | 19.30% | 19.30% | 20.55% | 14.49% | $113.8M |
| Q4 2025 | 19.11% | 19.11% | 20.36% | 14.55% | $114.2M |
| Q1 2026 | 20.18% | 20.18% | 21.43% | 14.77% | $114.3M |
| Q2 2026 | 19.57% | 19.57% | 20.82% | 14.52% | $115.5M |
Bank of Monticello regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Monticello, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Monticello profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2145) · FFIEC NIC profile (RSSD 805335)