Bank of Monticello: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 36.97 percentage points higher than in Q1 2026, at 151.65%. On return on assets, Bank of Monticello ranks 4th highest among the 121 banks headquartered in Georgia, at 3.33% (Q2 2026). Bank of Monticello's return on assets of 3.33% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 2.08 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.57% |
| Tier 1 risk-based capital ratio | 19.57% |
| Total risk-based capital ratio | 20.82% |
| Tier 1 leverage ratio | 14.52% |
| Equity capital to assets | 13.62% |
| Tangible equity to tangible assets | 13.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 5.19% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 151.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.33% |
| Return on equity | 23.79% |
| Net interest margin | 5.73% |
| Efficiency ratio | 41.49% |
| Yield on earning assets | 6.85% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.66% |
| Core deposits to total deposits | 97.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.80% |
| Securities to assets | 10.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.54% | 16.54% | 17.76% | 12.08% | 2.91% |
| Q4 2023 | 17.17% | 17.17% | 18.42% | 12.29% | 1.96% |
| Q1 2024 | 18.48% | 18.48% | 19.74% | 12.87% | 2.72% |
| Q2 2024 | 17.50% | 17.50% | 18.75% | 12.69% | 3.05% |
| Q3 2024 | 17.67% | 17.67% | 18.92% | 13.27% | 2.98% |
| Q4 2024 | 18.32% | 18.32% | 19.57% | 13.15% | 2.67% |
| Q1 2025 | 19.12% | 19.12% | 20.37% | 13.75% | 2.87% |
| Q2 2025 | 18.20% | 18.20% | 19.45% | 13.63% | 3.17% |
| Q3 2025 | 19.30% | 19.30% | 20.55% | 14.49% | 3.40% |
| Q4 2025 | 19.11% | 19.11% | 20.36% | 14.55% | 2.48% |
| Q1 2026 | 20.18% | 20.18% | 21.43% | 14.77% | 3.21% |
| Q2 2026 | 19.57% | 19.57% | 20.82% | 14.52% | 3.33% |
Bank of Monticello vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Monticello, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)