Headquartered in Monticello, Missouri, Bank of Monticello is a state-chartered bank with $159.0M in total assets and $140.4M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1928.
Based on its Q2 2026 filing, Bank of Monticello scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 135th. Its strongest component is earnings (100/100; 2.21%), and its lowest is loan quality (23/100; 2.32%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (63 → 66), mostly because the loan quality component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 84 |
| Q4 2024 | 60 |
| Q1 2025 | 61 |
| Q2 2025 | 63 |
| Q3 2025 | 67 |
| Q4 2025 | 70 |
| Q1 2026 | 67 |
| Q2 2026 | 66 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.70% |
| Q3 2024 | 12.00% |
| Q4 2024 | 11.98% |
| Q1 2025 | 11.48% |
| Q2 2025 | 11.59% |
| Q3 2025 | 12.23% |
| Q4 2025 | 12.28% |
| Q1 2026 | 11.41% |
| Q2 2026 | 11.95% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.58% |
| Q4 2024 | 2.90% |
| Q1 2025 | 2.89% |
| Q2 2025 | 2.58% |
| Q3 2025 | 2.35% |
| Q4 2025 | 2.12% |
| Q1 2026 | 2.12% |
| Q2 2026 | 2.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.08% |
| Q3 2024 | 2.01% |
| Q4 2024 | 1.77% |
| Q1 2025 | 2.19% |
| Q2 2025 | 2.11% |
| Q3 2025 | 2.21% |
| Q4 2025 | 2.07% |
| Q1 2026 | 2.22% |
| Q2 2026 | 2.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $159.0M | 11.95% | 2.32% | 2.21% | 72.2% |
| Q1 2026 | 67 | $156.5M | 11.41% | 2.12% | 2.22% | 68.3% |
| Q4 2025 | 70 | $167.5M | 12.28% | 2.12% | 2.07% | 63.8% |
| Q3 2025 | 67 | $150.3M | 12.23% | 2.35% | 2.21% | 72.0% |
| Q2 2025 | 63 | $152.1M | 11.59% | 2.58% | 2.11% | 68.1% |
| Q1 2025 | 61 | $148.9M | 11.48% | 2.89% | 2.19% | 65.3% |
| Q4 2024 | 60 | $149.5M | 11.98% | 2.90% | 1.77% | 65.3% |
| Q3 2024 | 84 | $142.5M | 12.00% | 0.58% | 2.01% | 69.9% |
| Q2 2024 | 84 | $142.7M | 11.70% | 0.50% | 2.08% | 67.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Security Bank of Pulaski CountyBank Saint Robert, MO | 58 out of 100, Moderate | $162.9M | 8.9% | 1.20% | vs |
| Security Bank of the OzarksBank Eminence, MO | 63 out of 100, Moderate | $155.1M | 7.6% | 0.56% | vs |
| Commercial Trust Company of FayetteBank Fayette, MO | 74 out of 100, Strong | $163.8M | 10.4% | 0.36% | vs |
| Northeast Missouri State BankBank Kirksville, MO | 84 out of 100, Strong | $164.1M | 11.1% | 0.02% | vs |
| Grand Missouri BankBank Bolivar, MO | 81 out of 100, Strong | $151.1M | 13.7% | 0.22% | vs |
Deposit insurance
Is my money safe at Bank of Monticello?
Yes. Bank of Monticello is an FDIC-insured institution (FDIC certificate #12232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.3% of deposits ($28.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Bank of Monticello lists 3 offices in 3 cities. Most locations:
- Canton, MO (1)
- Kahoka, MO (1)
- Monticello, MO (1)
Identity & history
Profile
- Legal name
- Bank of Monticello
- Type
- State-chartered bank
- FDIC certificate #
- 12232
- RSSD ID
- 937553
- Primary regulator
- FDIC
- Holding company
- Monticello Bancshares Inc
- Established
- February 27, 1928
- Headquarters
- 201 E Lafayette St, Monticello, MO 63457
- Website
- www.bankofmonticello.com
- Employees
- 28
Quick answers
Bank of Monticello: common questions
Is Bank of Monticello FDIC insured?
Yes. Bank of Monticello is an FDIC-insured institution (FDIC certificate #12232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Monticello's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Monticello ever failed?
There is no failure record for FDIC certificate #12232 in the FDIC failed bank list.
How many branches does Bank of Monticello have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Monticello
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Town & Country Bank MidwestBank Quincy, IL | 92 out of 100, Very strong | $279.3M | 14.9% | 0.15% | vs |
| Members "first" Community Credit UnionCredit union Quincy, IL | 92 out of 100, Very strong | $111.6M | 25.4% | 0.03% | vs |
| Liberty BankBank Liberty, IL | 86 out of 100, Very strong | $193.9M | 12.2% | 0.14% | vs |
| United Community Credit UnionCredit union Quincy, IL | 84 out of 100, Strong | $134.1M | 15.4% | 0.40% | vs |
| State Central BankBank Bonaparte, IA | 84 out of 100, Strong | $63.2M | 16.1% | 1.11% | vs |
| Western Illinois School Employees Credit UnionCredit union Quincy, IL | 83 out of 100, Strong | $24.0M | 16.1% | 0.17% | vs |