Bank call report · Monticello, KY
Monticello Banking Company Call Report
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Monticello Banking Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 310 reported line items, schedule by schedule (405 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 266945 |
| FDIC certificate number | 292 |
| Total assets | $1.07B |
Official Q2 2026 call report PDF (FFIEC) →
Monticello Banking Company call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Monticello Banking Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.07B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.07B |
| Total Liabilities and Minority Interest | RCON2948 | $975.4M |
| Total Deposits | RCON2200 | $924.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $862.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $774.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $765.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $207.3M |
| Total Equity Capital | RCON3210 | $92.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $92.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $63.6M |
| Deposits: Noninterest-bearing | RCON6631 | $62.0M |
| Surplus | RCON3839 | $47.3M |
| Other Borrowed Money | RCON3190 | $45.0M |
| Other Assets | RCON2160 | $44.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $27.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$19.4M |
| Interest-bearing Balances | RCON0071 | $17.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $9.2M |
| Other Liabilities, Total | RCON2930 | $6.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.5M |
| Common Stock | RCON3230 | $900K |
| Federal Funds Sold | RCONB987 | $1K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Monticello Banking Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $27.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $24.5M |
| Net Interest Income | RIAD4074 | $18.8M |
| Total Noninterest Expense | RIAD4093 | $15.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $13.4M |
| Salaries and Employee Benefits | RIAD4135 | $9.2M |
| Total Interest Expense | RIAD4073 | $8.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $8.8M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $6.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $6.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $5.3M |
| Net Income (Loss) | RIAD4340 | $5.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $5.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $4.3M |
| Other Noninterest Expense | RIAD4092 | $3.6M |
| Total Noninterest Income | RIAD4079 | $2.9M |
| Interest on Other Securities | RIAD4060 | $2.5M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.1M |
| Other Noninterest Income | RIADB497 | $1.8M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.4M |
| Applicable Income Taxes | RIAD4302 | $1.2M |
| Other Interest Expense | RIADGW44 | $1.0M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.0M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $975K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $708K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $508K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $406K |
| Other Interest Income | RIAD4518 | $235K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $201K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $117K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $101K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $89K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $79K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $71K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $18K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 207 |
Schedule RC-B: Securities (21 items)
About Schedule RC-B · Monticello Banking Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $233.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $194.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $172.7M |
| Pledged Securities | RCON0416 | $112.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $103.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $39.2M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $27.7M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $24.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $23.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $20.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $14.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $10.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $8.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $7.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $6.8M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $795K |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $795K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $788K |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $788K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $59K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $56K |
Schedule RC-C, Part I: Loans and Leases (36 items)
About Schedule RC-C, Part I · Monticello Banking Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $774.5M |
| Pledged Loans and Leases | RCONG378 | $478.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $246.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $191.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $133.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $128.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $120.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $108.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $106.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $99.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $82.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $79.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $74.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $68.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $66.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $59.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $42.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $32.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $32.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $28.9M |
| Commercial and Industrial Loans | RCON1766 | $28.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $24.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $20.0M |
| Loans to Depository Institutions | RCON1288 | $14.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $12.5M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $10.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $9.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $6.9M |
| Other Loans | RCONJ464 | $6.8M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $5.0M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $3.3M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $1.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $1.4M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $1.3M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $106K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $41K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $39.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $9.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $7.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $6.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $3.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $144K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 202 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 117 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 97 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 86 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 80 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 67 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 61 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 47 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 29 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 29 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 13 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 4 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · Monticello Banking Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $685.3M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $661.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $240.9M |
| Total Transaction Accounts | RCON2215 | $239.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $210.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $159.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $159.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $147.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $128.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $117.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $112.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $108.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $86.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $79.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $74.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $66.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $50.7M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $46.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $33.5M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $31.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $31.3M |
| Total Brokered Deposits | RCON2365 | $31.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $28.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $24.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $9.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $353K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $154K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $4K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $25.3M |
| Net Deferred Tax Assets | RCON2148 | $8.5M |
| Accrued Interest Receivable | RCONB556 | $4.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $3.2M |
| Other Assets | RCON2168 | $2.6M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $966K |
| Accounts Receivable | RCONFT34 | $562K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $3.3M |
| Operating lease liabilities | RCONLB56 | $3.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.5M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.2M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $35K |
Schedule RC-K: Quarterly Averages (19 items)
About Schedule RC-K · Monticello Banking Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.10B |
| Quarterly Average of Total Loans | RCON3360 | $778.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $417.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $387.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $285.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $246.2M |
| All Other Securities | RCONB560 | $224.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $154.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $117.8M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $32.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $29.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $22.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $15.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $10.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $3.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $1.4M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $1.3M |
| Mortgage-backed Securities | RCONB559 | $69K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $1K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · Monticello Banking Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $28.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $14.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $12.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $10.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $9.7M |
| Unused Commitments - Credit Card Lines | RCON3815 | $5.6M |
| Performance Standby Letters of Credit | RCON3821 | $5.0M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $378K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Monticello Banking Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $45.0M |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $45.0M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $45.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $4.1M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (19 items)
About Schedule RC-N · Monticello Banking Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.4M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $656K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $577K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $495K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $478K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $214K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $181K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 90 Days or More and Still Accruing | RCON3494 | $174K |
| Additions to Nonaccrual Assets | RCONC410 | $111K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $93K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $56K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $35K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $30K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $13K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $12K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $12K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $11K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing | RCONB576 | $5K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Monticello Banking Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.10B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $925.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $555.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $303.5M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $265.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $113.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $39.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $27.8M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 37,936 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 966 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 453 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 35 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Monticello Banking Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.10B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.10B |
| Total Assets | RCOA2170 | $1.07B |
| Common Equity Tier 1 Capital | RCOAP859 | $111.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $111.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $111.5M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $92.4M |
| Retained Earnings | RCOAKW00 | $63.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $48.2M |
| Unconditionally Cancellable Commitments | RCOAS540 | $43.3M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $42.8M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $37.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$19.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$19.4M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $5.4M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $339K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $339K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1017 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0401 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $95.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $95.3M |
| Total Equity Capital | RIAD3210 | $92.4M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $9.3M |
| Other Comprehensive Income | RIADB511 | $1.0M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $78K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (17 items)
About Schedule RI-B, Part I · Monticello Banking Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $118K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $82K |
| Charge-offs on All Other Loans | RIAD4644 | $41K |
| Recoveries on All Other Loans | RIAD4628 | $31K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $21K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $20K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $19K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $15K |
| Recoveries on Automobile Loans | RIADK133 | $11K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $11K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $9K |
| Charge-offs on Automobile Loans | RIADK129 | $8K |
| Recoveries on Loans to Credit Cards | RIADB515 | $4K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $4K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $3K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $2K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (5 items)
About Schedule RI-B, Part II · Monticello Banking Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $9.3M |
| Allowance for Loan and Lease Losses | RIAD3123 | $9.2M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $118K |
| Balance at end of current period, Available-for-sale debt securities | RIADJH99 | $37K |
| Balance most recently reported for end of previous calendar year, Available-for-sale debt securities | RIADJH94 | $37K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $774.5M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $359.4M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $257.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $84.8M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $56.4M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $15.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $9.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $4.7M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $2.6M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $1.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.1M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $547K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $148K |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $54K |
Monticello Banking Company call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Monticello Banking Company call report?
The Monticello Banking Company call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Monticello Banking Company file?
Monticello Banking Company files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Monticello Banking Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Monticello Banking Company has Federal Reserve RSSD ID 266945 and FDIC certificate number 292. Either one finds its filings on the FFIEC Central Data Repository.
How often does Monticello Banking Company file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Monticello Banking Company financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 292) · FFIEC NIC profile (RSSD 266945)