PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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