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, MO against its peer group of 2672 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 | 2.19% | 1.34% | +0.85% | 90th top |
| ROAE | 21.53% | 13.31% | +8.22% | 91st top |
| Net Interest Margin | 4.33% | 3.93% | +0.40% | 72nd above |
| Efficiency Ratio | 47.85% | 61.14% | -13.29% | 85th top |
| PPNR / Avg Assets | 2.17% | 1.68% | +0.49% | 79th top |
| Yield on Earning Assets | 5.99% | 5.67% | +0.32% | 68th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.81% | 1.88% | -0.07% | 49th below |
| Net Interest Spread | 3.71% | 3.32% | +0.39% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.48% | 0.94% | +1.54% | 9th bottom |
| NPA / Total Assets | 1.60% | 0.70% | +0.90% | 11th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 35th below |
| ACL / NPLs (Coverage) | 43.23% | 1538.92% | -1495.69% | 8th bottom |
| Texas Ratio | 15.17% | 7.33% | +7.84% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.95% | 12.14% | -0.19% | 64th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.52% | 11.37% | -0.85% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.52% | 11.09% | -0.57% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.94% | 80.64% | -7.70% | 66th above |
| Core Deposit Ratio | 91.37% | 86.86% | +4.51% | 63rd above |
| Wholesale Funding Ratio | 0.63% | 5.03% | -4.40% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.54% | 6.85% | -2.31% | 51st above |
| Loan Growth (Y/Y) | 10.17% | 7.90% | +2.27% | 74th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.02% | 6.29% | -2.27% | 50th above |
See Bank of Monticello's peers by name
The 2672 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.