Monticello Banking Company: 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: 660.16 percentage points higher than in Q1 2026, at 1404.73%. Within Kentucky, Monticello Banking Company is 90th of 119 on return on assets, 0.97% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Monticello Banking Company sits 0.31 points lower, at 0.97% (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 | 10.17% |
| Equity capital to assets | 8.65% |
| Tangible equity to tangible assets | 8.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.82% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 1404.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 11.18% |
| Net interest margin | 3.71% |
| Efficiency ratio | 68.49% |
| Yield on earning assets | 5.34% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.80% |
| Core deposits to total deposits | 83.89% |
| Brokered deposits to total deposits | 3.38% |
| Deposits to assets | 86.56% |
| Securities to assets | 19.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.90% | 9.90% | 10.93% | 8.10% | 0.64% |
| Q4 2023 | 10.17% | 10.17% | 11.20% | 8.15% | 0.74% |
| Q1 2024 | — | — | — | 9.15% | 0.51% |
| Q2 2024 | — | — | — | 9.23% | 0.61% |
| Q3 2024 | — | — | — | 9.38% | 0.67% |
| Q4 2024 | — | — | — | 9.62% | 1.03% |
| Q1 2025 | — | — | — | 9.77% | 0.88% |
| Q2 2025 | — | — | — | 9.87% | 1.03% |
| Q3 2025 | — | — | — | 9.57% | 1.01% |
| Q4 2025 | — | — | — | 9.84% | 1.29% |
| Q1 2026 | — | — | — | 10.25% | 0.93% |
| Q2 2026 | — | — | — | 10.17% | 0.97% |
Monticello Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Monticello Banking Company, 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 Monticello Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 292) · FFIEC NIC profile (RSSD 266945)