Monticello Banking Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Monticello Banking Company of Monticello, KY against its peer group of 927 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 | 0.97% | 1.46% | -0.49% | 28th below |
| ROAE | 11.18% | 12.69% | -1.51% | 43rd below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.71% | 3.85% | -0.14% | 50th above |
| Efficiency Ratio | 68.49% | 57.40% | +11.09% | 24th bottom |
| PPNR / Avg Assets | 1.20% | 1.88% | -0.68% | 23rd bottom |
| Yield on Earning Assets | 5.34% | 5.72% | -0.38% | 38th below |
| Cost of Funds | 1.69% | 2.02% | -0.33% | 70th above |
| Net Interest Spread | 3.50% | 3.18% | +0.32% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 1.00% | -0.92% | 90th top |
| NPA / Total Assets | 0.06% | 0.76% | -0.70% | 90th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 58th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.31% | -0.12% | 57th above |
| ACL / NPLs (Coverage) | 1404.73% | 564.00% | +840.73% | — |
| Texas Ratio | 0.82% | 7.39% | -6.57% | 89th top |
| Provision / NCO | 0.00% | 618.85% | -618.85% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.17% | 11.44% | -1.27% | 42nd below |
| Equity / Assets | 8.65% | 11.34% | -2.69% | 15th bottom |
| TCE / Tangible Assets | 8.65% | 10.50% | -1.85% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.80% | 86.96% | -3.16% | 61st above |
| Core Deposit Ratio | 83.89% | 85.55% | -1.66% | 31st below |
| Uninsured Deposit Ratio | 28.69% | 33.13% | -4.44% | 58th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.21% | 5.70% | -1.49% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.87% | 9.69% | -17.56% | 2nd bottom |
| Loan Growth (Y/Y) | -8.00% | 8.07% | -16.07% | 3rd bottom |
| Deposit Growth (Y/Y) | -3.98% | 7.88% | -11.86% | 6th bottom |
See Monticello Banking Company's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Monticello Banking Company, 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 Monticello Banking Company profile, how to read a UBPR, or how this data updates.