Bank of Monticello: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Monticello of Monticello, GA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.33% | 1.34% | +1.99% | 98th top |
| ROAE | 23.79% | 13.32% | +10.47% | 94th top |
| Net Interest Margin | 5.73% | 3.93% | +1.80% | 98th top |
| Efficiency Ratio | 41.49% | 61.13% | -19.64% | 94th top |
| PPNR / Avg Assets | 3.53% | 1.68% | +1.85% | 98th top |
| Yield on Earning Assets | 6.85% | 5.67% | +1.18% | 93rd top |
| Cost of Funds | 1.38% | 1.88% | -0.50% | 76th top |
| Net Interest Spread | 5.04% | 3.32% | +1.72% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.94% | +0.12% | 27th below |
| NPA / Total Assets | 0.77% | 0.70% | +0.07% | 27th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans | 1.60% | 1.28% | +0.32% | 84th top |
| ACL / NPLs (Coverage) | 151.65% | 1546.35% | -1394.70% | 40th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.19% | 7.34% | -2.15% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.57% | 19.48% | +0.09% | 76th top |
| Tier 1 Ratio | 19.57% | 19.52% | +0.05% | 76th top |
| Total Capital Ratio | 20.82% | 20.60% | +0.22% | 76th top |
| Leverage Ratio | 14.52% | 12.14% | +2.38% | 84th top |
| Equity / Assets | 13.62% | 11.36% | +2.26% | 82nd top |
| TCE / Tangible Assets | 13.62% | 11.08% | +2.54% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.66% | 80.66% | +4.00% | 41st below |
| Core Deposit Ratio | 97.86% | 86.85% | +11.01% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.05% | 6.84% | -3.79% | 40th below |
| Loan Growth (Y/Y) | 2.80% | 7.92% | -5.12% | 35th below |
| Deposit Growth (Y/Y) | 1.88% | 6.29% | -4.41% | 34th below |
See Bank of Monticello's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Monticello, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Monticello profile, how to read a UBPR, or how this data updates.