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: 9.16 percentage points lower than in Q1 2026, at 43.23%. Bank of Monticello ranks 30th of 192 Missouri banks on return on assets, in the upper half at 2.19% (Q2 2026). Bank of Monticello's return on assets of 2.19% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.93 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.95% |
| Equity capital to assets | 10.52% |
| Tangible equity to tangible assets | 10.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.48% |
| Non-performing assets ratio | 1.60% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 15.17% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 43.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.19% |
| Return on equity | 21.53% |
| Net interest margin | 4.33% |
| Efficiency ratio | 47.85% |
| Yield on earning assets | 5.99% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.94% |
| Core deposits to total deposits | 91.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.32% |
| Securities to assets | 24.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.22% | 1.99% | 4.14% | 0.63% | 0.06% |
| Q4 2023 | 12.37% | 1.68% | 3.98% | 0.64% | 0.00% |
| Q1 2024 | 11.49% | 2.10% | 3.94% | 0.53% | -0.09% |
| Q2 2024 | 11.70% | 1.97% | 3.96% | 0.53% | -0.18% |
| Q3 2024 | 12.00% | 1.83% | 3.83% | 0.60% | 0.06% |
| Q4 2024 | 11.98% | 1.07% | 3.46% | 3.14% | -0.10% |
| Q1 2025 | 11.48% | 2.17% | 3.88% | 2.93% | 0.22% |
| Q2 2025 | 11.59% | 1.98% | 4.20% | 2.73% | -0.04% |
| Q3 2025 | 12.23% | 2.38% | 4.42% | 2.38% | -0.39% |
| Q4 2025 | 12.28% | 1.75% | 4.35% | 2.49% | 0.02% |
| Q1 2026 | 11.41% | 2.21% | 4.10% | 2.18% | -0.02% |
| Q2 2026 | 11.95% | 2.19% | 4.33% | 2.48% | -0.01% |
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 12232) · FFIEC NIC profile (RSSD 937553)