Monticello, GA · Cert 2145 · Monticello Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #56 of 81 inst. · $0.1B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.31% | 2.22% | 2.32% | 2.43% | 2.54% | 2.40% | 2.55% | 2.60% | +16 bps | |
| Return on Equity | 20.39% | 19.36% | 18.99% | 19.69% | 19.96% | 18.74% | 18.95% | 19.23% | -46 bps | |
| Net Interest Margin | 5.34% | 5.29% | 5.30% | 5.44% | 5.57% | 5.67% | 5.57% | 5.61% | +17 bps | |
| Efficiency Ratio | 45.60% | 46.53% | 45.68% | 44.63% | 43.48% | 44.04% | 43.28% | 42.42% | -222 bps | |
| Non-Interest Burden | 2.20% | 2.24% | 2.22% | 2.20% | 2.19% | 2.13% | 2.16% | 2.13% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.20% | 2.17% | 2.24% | 1.29% | -1.46% | 3.42% | 3.34% | 3.05% | +176 bps | |
| Loan Growth (YoY) | 1.81% | 1.44% | 6.45% | 6.63% | 2.15% | 7.25% | 2.54% | 2.80% | -383 bps | |
| Deposit Growth (YoY) | -1.94% | 1.13% | 0.91% | -0.24% | -3.73% | 1.99% | 2.02% | 1.88% | +212 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.47% | 1.75% | 1.70% | 1.84% | 1.76% | 1.38% | 1.44% | 1.06% | -79 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.23% | 0.15% | 0.12% | 0.20% | 0.42% | -0.42% | -0.18% | -30 bps | |
| Allowance / Loans | 1.35% | 1.49% | 1.40% | 1.37% | 1.34% | 1.47% | 1.63% | 1.60% | +23 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.8x | 0.7x | 0.8x | 1.1x | 1.1x | 1.5x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.27% | 13.15% | 13.75% | 13.63% | 14.49% | 14.55% | 14.77% | 14.52% | +89 bps | |
| Total Risk-Based Capital | 18.92% | 19.57% | 20.37% | 19.45% | 20.55% | 20.36% | 21.43% | 20.82% | +137 bps | |
| Equity / Assets | 11.93% | 11.90% | 12.57% | 12.57% | 13.88% | 13.14% | 13.74% | 13.62% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.75% | 78.61% | 80.51% | 83.90% | 85.68% | 82.65% | 80.93% | 84.66% | +76 bps | |
| Liquid Assets / Assets | 12.67% | 15.25% | 13.75% | 10.84% | 10.14% | 13.50% | 16.08% | 12.85% | +201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 235% | 242% | 236% | n/a | n/a | |