Headquartered in Monticello, Georgia, Bank of Monticello is a state-chartered bank with $158.0M in total assets and $135.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1909.
Based on its Q2 2026 filing, Bank of Monticello scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 32nd. Its strongest component is earnings (100/100; 3.21%), and its lowest is funding & liquidity (64/100; 83% loans-to-deposits, 27% uninsured).
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 9 points (74 → 83), mostly because the loan quality component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 77 |
| Q4 2024 | 74 |
| Q1 2025 | 76 |
| Q2 2025 | 74 |
| Q3 2025 | 78 |
| Q4 2025 | 80 |
| Q1 2026 | 81 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.69% |
| Q3 2024 | 13.27% |
| Q4 2024 | 13.15% |
| Q1 2025 | 13.75% |
| Q2 2025 | 13.63% |
| Q3 2025 | 14.49% |
| Q4 2025 | 14.55% |
| Q1 2026 | 14.77% |
| Q2 2026 | 14.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.75% |
| Q1 2025 | 1.70% |
| Q2 2025 | 1.84% |
| Q3 2025 | 1.76% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.06% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.84% |
| Q3 2024 | 2.86% |
| Q4 2024 | 2.80% |
| Q1 2025 | 2.84% |
| Q2 2025 | 2.98% |
| Q3 2025 | 3.12% |
| Q4 2025 | 2.93% |
| Q1 2026 | 3.14% |
| Q2 2026 | 3.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $158.0M | 14.52% | 1.06% | 3.21% | 83.3% |
| Q1 2026 | 81 | $160.4M | 14.77% | 1.44% | 3.14% | 79.6% |
| Q4 2025 | 80 | $158.4M | 14.55% | 1.38% | 2.93% | 81.4% |
| Q3 2025 | 78 | $150.9M | 14.49% | 1.76% | 3.12% | 84.5% |
| Q2 2025 | 74 | $153.3M | 13.63% | 1.84% | 2.98% | 82.8% |
| Q1 2025 | 76 | $155.2M | 13.75% | 1.70% | 2.84% | 79.4% |
| Q4 2024 | 74 | $153.1M | 13.15% | 1.75% | 2.80% | 77.4% |
| Q3 2024 | 77 | $153.1M | 13.27% | 1.47% | 2.86% | 79.7% |
| Q2 2024 | 83 | $151.4M | 12.69% | 0.69% | 2.84% | 77.4% |
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 Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Dublin, GA | 90 out of 100, Very strong | $156.2M | 13.9% | 0.28% | vs |
| Bank of DawsonBank Dawson, GA | 94 out of 100, Very strong | $159.9M | 18.2% | 0.22% | vs |
| West Central Georgia BankBank Thomaston, GA | 97 out of 100, Very strong | $160.4M | 22.2% | 0.04% | vs |
| Family BankBank Pelham, GA | 65 out of 100, Moderate | $162.0M | 14.1% | 2.21% | vs |
| Bank of DadeBank Trenton, GA | 79 out of 100, Strong | $162.3M | 9.4% | 0.25% | vs |
| Moultrie Bank & TrustBank Moultrie, GA | 82 out of 100, Strong | $150.6M | 14.1% | 0.10% | vs |
Deposit insurance
Is my money safe at Bank of Monticello?
Yes. Bank of Monticello is an FDIC-insured institution (FDIC certificate #2145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.6% of deposits ($36.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.82% (benchmark: 10%).
1 location
Branches
Bank of Monticello lists 1 office in 1 city. Most locations:
- Monticello, GA (1)
Identity & history
Profile
- Legal name
- Bank of Monticello
- Former names
- The First National Bank of Monticello
- Type
- State-chartered bank
- FDIC certificate #
- 2145
- RSSD ID
- 805335
- Primary regulator
- FDIC
- Holding company
- Monticello Bancshares Inc
- Established
- January 1, 1909
- Headquarters
- 141 E Greene St, Monticello, GA 31064
- Website
- www.bankofmonticelloga.com
- Employees
- 22
Quick answers
Bank of Monticello: common questions
Is Bank of Monticello FDIC insured?
Yes. Bank of Monticello is an FDIC-insured institution (FDIC certificate #2145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Monticello's TellerScore?
83 out of 100 (Strong), 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 #2145 in the FDIC failed bank list.
How many branches does Bank of Monticello have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Monticello
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| Bank of MadisonBank Madison, GA | 83 out of 100, Strong | $448.1M | 11.6% | 0.02% | vs |
| The Peoples BankBank Eatonton, GA | 79 out of 100, Strong | $269.7M | 11.7% | 0.00% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |