Total Assets
$168M
Total balance-sheet footings
FDIC Cert #12232 · Monticello, Missouri · Est. 1928
Bank of Monticello - FDIC Bank Health Profile
A community-scale look at Bank of Monticello's own numbers, pulled straight from its quarterly FDIC Call Report.
- $168M
- Total assets
- A
- Health grade · Excellent
- 2.07%
- Return on assets
- 12.3%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Monticello earns a PlainBankData health grade of A (91/100), with well-capitalized at 12.28% Tier 1, profitable at 2.07% ROA, efficient (50% cost ratio).
- #3,237
- largest of 4,313 FDIC banks by assets
- 25th
- percentile by asset size, nationally
- 12.28%
- Tier 1 ratio - above the 10% well-capitalized line
- 92nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Bank of Monticello's 91/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Monticello's composite health score
Tier 1 Capital Ratio (12.28%) 35/40
Return on Assets (ROA) (2.07%) 25/25
Texas Ratio (11.23%) 16/20
Efficiency Ratio (49.87%) 15/15
91 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$148M
Customer-funded liabilities
Net Loans
$95M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Monticello ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Monticello's score of 91/100 falls in the highlighted band.
Bank of Monticello's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Monticello's $168M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.28% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.28%
Texas Ratio
11.23%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
92nd percentile nationally
2.07%
Return on Equity (ROE)
21.00%
Efficiency Ratio
49.87%
What the numbers say about Bank of Monticello
Bank of Monticello is an FDIC-insured institution (Certificate #12232) headquartered in Monticello, Missouri, established in 1928. It holds $168M in total assets - 3,237th of 4,313 FDIC-insured banks, $148M in customer deposits, and $95M in net loans. Its capital position: a Tier 1 ratio of 12.28%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.23% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (91 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Monticello is a community-scale institution -- 139th of 198 FDIC-insured banks headquartered in Missouri by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$9M
Interest Income
$346K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Monticello reports a Texas Ratio of 11.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Monticello (FDIC Cert #12232) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Bank of Monticello's health grade?▼
Bank of Monticello receives a health grade of A (91/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Monticello?▼
Bank of Monticello holds $168M in total assets and $148M in deposits, ranking 3,237th of 4,313 FDIC-insured banks by asset size. It is headquartered in Monticello, Missouri.
Is my money safe at Bank of Monticello?▼
Yes, deposits at Bank of Monticello (Certificate #12232) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Monticello's Tier 1 Capital Ratio?▼
Bank of Monticello has a Tier 1 Capital Ratio of 12.28%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Monticello?▼
Bank of Monticello has a Texas Ratio of 11.23%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Monticello?▼
Bank of Monticello has an Efficiency Ratio of 49.87%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Monticello's profile as a depositor or analyst.
- Bank of Monticello's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Monticello against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.