Bank of Monticello (Monticello, MO)
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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, MO, established in 1928 (FDIC certificate 12232), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $159.0M, up 4.5% from Q2 2025, the 137th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.95% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12232
- Headquarters
- Monticello, MO
- Established
- 1928
- Total assets, Q2 2026
- $159.0M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 11.95%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081511110
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Monticello call report
- Holding company
- MONTICELLO BANCSHARES, INC.
- Asset rank in state
- 137th of 191 in Missouri
Bank of Monticello is one of the more profitable banks of its size. Based in Monticello, Missouri, it had $159 million in assets at June 30, 2026, up 4.5% from a year earlier. It returns 21.5% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it carries problem assets equal to 13.3% of the capital and reserves that would absorb them, 5.0 times the median of 2.6% for banks its size. Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 10.2% and deposits rose 4.0%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.32% of loans, down from 2.58% a year earlier.
As of June 30, 2026, Bank of Monticello reported a return on assets of 2.19%, a nonperforming-loan ratio of 2.32% and a Texas ratio of 13.33%. The figures come from its call report filed with the FFIEC.
Bank of Monticello ranks as the 137th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $159.0M, loans rose 6.8% and deposits rose 1.2%. Farmland and other real estate loans made up 39.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 16.5%. The FDIC Summary of Deposits lists 3 offices for it, in Monticello, MO, Canton, MO and Kahoka, MO; its Monticello office books 40% of its branch deposits. On its Q2 2026 call report, Bank of Monticello meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 E Lafayette St, Monticello, MO 63457
- County
- Lewis
- Metro Area
- Quincy, IL-MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 27, 1928
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $140.4M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $160.6M
- Average total loans
- $99.0M
- Average interest-bearing deposits
- $110.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12232
- Fed RSSD
- 937553
- Website
- www.bankofmonticello.com →
- Parent Holding Company
- MONTICELLO BANCSHARES, INC. (RSSD 3112472)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Bank of Monticello reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Monticello's total assets ran between $130.1M (Q3 2023) and $167.5M (Q4 2025), 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
$159.0M total assets against $152.1M; $142.3M total liabilities against $137.8M.
$101.3M net loans and leases against $92.0M; $140.4M total deposits against $135.0M.
$39.0M securities against $37.6M; $13.3M cash and balances due against $17.3M.
$2.2M total interest income against $2.2M; $636K total interest expense against $686K.
$1.6M net interest income against $1.5M.
$101K total noninterest income against $89K; $841K total noninterest expense against $816K.
-$6K provision for credit losses against $16K.
$878K net income against $765K.
2.19% return on assets against 1.98%; 4.33% net interest margin against 4.20%.
11.95% tier 1 leverage ratio against 11.59%.
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 324 of 3,611, for ROA; its furthest is 3,224 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.07% (Q4 2024) to 2.38% (Q3 2025) and its net interest margin ran from 3.46% (Q4 2024) to 4.42% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.95% | 2.19% | 2.32% | 13.33% | 4.33% |
| Q1 2026 | 11.41% | 2.21% | 2.12% | 12.00% | 4.10% |
| Q4 2025 | 12.28% | 1.75% | 2.12% | 11.23% | 4.35% |
| Q3 2025 | 12.23% | 2.38% | 2.35% | 13.23% | 4.42% |
| Q2 2025 | 11.59% | 1.98% | 2.58% | 15.63% | 4.20% |
| Q1 2025 | 11.48% | 2.17% | 2.89% | 16.78% | 3.88% |
| Q4 2024 | 11.98% | 1.07% | 2.90% | 16.72% | 3.46% |
| Q3 2024 | 12.00% | 1.83% | 0.58% | 3.24% | 3.83% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 , MO | 63457 | $56.2M |
| Canton Branch | Canton , MO | 63435 | $56.2M |
| Kahoka Branch | Kahoka , MO | 63445 | $28.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 169 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $615K approved, $615K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $159.0 million in its FFIEC call report.
Where is Bank of Monticello headquartered?
It is headquartered in Monticello, MO, United States.
When was Bank of Monticello founded?
It was established in 1928, per the FDIC institution directory.
Is Bank of Monticello FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12232). 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.
How many branches does Bank of Monticello operate?
It operates 3 domestic offices, 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 13.33% 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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