Advertisement
Bank Of Monticello
Monticello, MO · FDIC Certificate #12232 · Chartered 02/2
Total assets
$159.03M
Total deposits
$140.44M
Total equity
$16.73M
Net loans
$101.35M
Branches (offices)
3
Net income (YTD)
$1.78M
Rank: #3,237 of 4,213 U.S. banks by assets · #137 of 190 in Missouri. Assets changed 4.5% and deposits 4.0% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.21% |
| Return on equity | 21.49% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 10.52% |
| Tier 1 leverage ratio | 11.95% |
| Uninsured deposits (share of deposits) | 20.3% |
| Noncurrent loans (share of loans) | 2.32% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 72.2% |
| Real estate loans (share of loans) | 77.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $78.09M | 77.1% | |
| Commercial & industrial | $8.54M | 8.4% | |
| Consumer / individual | $3.29M | 3.2% | |
| Construction & development | $1.12M | 1.1% | |
| Agricultural | $12.51M | 12.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $132.43M | $118.88M | $1.03M | $11.42M |
| Jun 2023 | $134.18M | $119.84M | $1.34M | $12.14M |
| Jun 2024 | $142.72M | $126.55M | $1.46M | $13.37M |
| Jun 2025 | $152.12M | $135.02M | $1.58M | $14.35M |
| Jun 2026 | $159.03M | $140.44M | $1.78M | $16.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $140.44M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $140.44M.
Similar-sized banks
Liberty State Bank ($159.05M) · Farmers Bank & Trust ($159.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement