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Bank of Monticello

Monticello, GA · Cert 2145 · Monticello Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

75

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Monticello

Monticello, GA · Cert 2145 · Monticello Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$158.0MAssets
$114.8MLoans
$135.6MDeposits
$21.5MEquity
Loan mix
82%RE $91.1M10%C&I $11.5M8%Consumer $8.7MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $94.8M30%Noninterest $40.8MQ2 2025Q2 2026

NIM

6.23%Q2 ’246.53%Q2 ’256.71%Q2 ’26+4%+3%

Non-interest income vs. expense

2.59%Q2 ’242.61%Q2 ’252.56%Q2 ’26+2%-3%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #56 of 81 inst. · $0.1B of $255.1B

Executive Summary

  • Earnings: ROA of 2.60%, up 16 bps year over year; NIM at 5.61%.
  • Asset quality: problem loans at 1.06% of loans (-79 bps YoY), with net recoveries of 0.18%.
  • Capital: tier 1 leverage ratio of 14.52%, up 89 bps from a year ago.
  • Funding: loans stand at 84.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.60%+16 bps YoY

Net Interest Margin (YTD, annualized)

5.61%+17 bps YoY

Efficiency Ratio (YTD, annualized)

42.42%-222 bps YoY

Tier 1 Leverage Ratio

14.52%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.43%2.54%2.40%2.55%2.60%+16 bps
Return on Equity19.69%19.96%18.74%18.95%19.23%-46 bps
Net Interest Margin5.44%5.57%5.67%5.57%5.61%+17 bps
Efficiency Ratio44.63%43.48%44.04%43.28%42.42%-222 bps
Non-Interest Burden2.20%2.19%2.13%2.16%2.13%-7 bps
Growth
Asset Growth (YoY)1.29%-1.46%3.42%3.34%3.05%+176 bps
Loan Growth (YoY)6.63%2.15%7.25%2.54%2.80%-383 bps
Deposit Growth (YoY)-0.24%-3.73%1.99%2.02%1.88%+212 bps
Asset Quality
Nonperforming Loans / Loans1.84%1.76%1.38%1.44%1.06%-79 bps
Net Charge-Offs / Loans0.12%0.20%0.42%-0.42%-0.18%-30 bps
Allowance / Loans1.37%1.34%1.47%1.63%1.60%+23 bps
Allowance Coverage of NPLs0.7x0.8x1.1x1.1x1.5x+0.8x
Capital
Tier 1 Leverage Ratio13.63%14.49%14.55%14.77%14.52%+89 bps
Total Risk-Based Capital19.45%20.55%20.36%21.43%20.82%+137 bps
Equity / Assets12.57%13.88%13.14%13.74%13.62%+105 bps
Liquidity & Funding
Loans / Deposits83.90%85.68%82.65%80.93%84.66%+76 bps
Liquid Assets / Assets10.84%10.14%13.50%16.08%12.85%+201 bps
CRE / Total Capitaln/a235%242%236%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Monticello

Monticello, GA · Cert 2145 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Monticello Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$158.0MAssets
$114.8MLoans
$135.6MDeposits
$21.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 1 of 20).
  • Widest gap: net charge-offs / loans trails 68% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 14 of 19).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.61%

Rank 2 of 20

Net Interest Margin

5.61%

Rank 1 of 20

Efficiency Ratio

42.42%

Rank 3 of 20

Equity / Assets

13.62%

Rank 5 of 20

Non-interest income vs. expense

$0.7M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 90% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 42.42%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.61%1.08%1.42%1.85%Beats 90%2 / 20
Return on Equity19.17%9.57%13.48%17.30%Beats 90%2 / 20
Net Interest Margin5.61%3.38%3.99%4.50%Beats 95%1 / 20
Efficiency Ratio42.42%47.39%61.42%73.60%Beats 90%3 / 20
Asset Quality
Nonperforming Loans / Loans1.06%0.05%0.79%1.63%Beats 42%12 / 19
Net Charge-Offs / Loans0.03%n/a0.00%0.03%Beats 32%14 / 19
Capital
Tier 1 Capital Ratio19.57%13.64%16.79%19.57%Beats 75%5 / 20
Total Risk-Based Capital Ratio20.82%14.77%17.61%20.82%Beats 75%5 / 20
Equity / Assets13.62%9.66%10.94%13.62%Beats 75%5 / 20
Liquidity & Funding
Loans / Deposits84.66%70.35%84.66%95.83%50th pctl10 / 20
Loans / Assets72.64%62.58%72.89%77.86%45th pctl11 / 20
Brokered Deposits / Depositsn/aNot reported for this institution