Bank Comparison
Bank of Dawson vs Bank of Monticello
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 12
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Bank of Dawson | Bank of Monticello |
|---|---|---|
| CET1 Ratio | 26.97% | 20.18% |
| Tier 1 Capital Ratio | 26.97% | 20.18% |
| Total Capital Ratio | 28.22% | 21.43% |
| Tier 1 Leverage Ratio | 18.11% | 14.77% |
| Equity / Assets | 16.06% | 13.74% |
Profitability
| Metric | Bank of Dawson | Bank of Monticello |
|---|---|---|
| Return on Assets (ROA) | 2.54% | 3.21% |
| Return on Equity (ROE) | 16.12% | 23.37% |
| Net Interest Margin (NIM) | 4.78% | 5.67% |
| Yield on Earning Assets | 6.65% | 6.80% |
| Cost of Funds | 2.16% | 1.26% |
Asset quality
| Metric | Bank of Dawson | Bank of Monticello |
|---|---|---|
| Texas Ratio | 4.38% | 7.35% |
| Non-Performing Loan Ratio | 1.12% | 1.42% |
| Non-Performing Asset Ratio | 0.75% | 1.08% |
| Net Charge-Off Ratio | -0.02% | -0.42% |
| ACL / Loans | 1.78% | 1.63% |
Balance sheet
| Metric | Bank of Dawson | Bank of Monticello |
|---|---|---|
| Total Assets | $159,860K | $160,429K |
| Total Deposits | $132,333K | $137,561K |
| Total Loans | $90,543K | $111,325K |
| Total Equity | $25,667K | $22,047K |
| Net Income (quarter) | $1,018K | $1,252K |
Liquidity & funding
| Metric | Bank of Dawson | Bank of Monticello |
|---|---|---|
| Loan-to-Deposit Ratio | 68.42% | 80.93% |
| Core Deposit Ratio | 82.97% | 98.73% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Dawson | Bank of Monticello |
|---|---|---|
| Headquarters City | DAWSON | MONTICELLO |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 21 | 22 |
| Established | July 1, 1911, midnight | Jan. 1, 1909, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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