Total Assets
$158M
Total balance-sheet footings
FDIC Cert #2145 · Monticello, Georgia · Est. 1909
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.
- $158M
- Total assets
- A
- Health grade · Excellent
- 2.93%
- Return on assets
- 19.1%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Monticello earns a PlainBankData health grade of A (96/100), with well-capitalized at 19.11% Tier 1, profitable at 2.93% ROA, efficient (44% cost ratio).
- #3,284
- largest of 4,313 FDIC banks by assets
- 24th
- percentile by asset size, nationally
- 19.11%
- Tier 1 ratio - above the 10% well-capitalized line
- 98th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Monticello's 96/100 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 (19.11%) 40/40
Return on Assets (ROA) (2.93%) 25/25
Texas Ratio (6.95%) 16/20
Efficiency Ratio (44.04%) 15/15
96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$137M
Customer-funded liabilities
Net Loans
$111M
Outstanding loan book
Net Income
$5M
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 96/100 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 $158M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.11%
Texas Ratio
6.95%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
2.93%
Return on Equity (ROE)
22.85%
Efficiency Ratio
44.04%
What the numbers say about Bank of Monticello
Bank of Monticello is an FDIC-insured institution (Certificate #2145) headquartered in Monticello, Georgia, established in 1909. It holds $158M in total assets - 3,284th of 4,313 FDIC-insured banks, $137M in customer deposits, and $111M in net loans. Its capital position: a Tier 1 ratio of 19.11%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 6.95% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (96 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 -- 105th of 129 FDIC-insured banks headquartered in Georgia 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
$10M
Interest Income
$981K
Non-Interest Income
$4M
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 6.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Monticello (FDIC Cert #2145) - 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 Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Bank of Monticello's health grade?▼
Bank of Monticello receives a health grade of A (96/100) 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 $158M in total assets and $137M in deposits, ranking 3,284th of 4,313 FDIC-insured banks by asset size. It is headquartered in Monticello, Georgia.
Is my money safe at Bank of Monticello?▼
Yes, deposits at Bank of Monticello (Certificate #2145) 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 19.11%. 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 6.95%. 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 44.04%. 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 Georgia banks before moving funds. Georgia 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.