Side-by-side · Q2 2026 data
Bank of Monticello vs West Central Georgia Bank
Metric by metric
| Measure | Bank of Monticello | West Central Georgia Bank |
|---|---|---|
| TellerScore | 83 | 97 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 65 | 99 (stronger) |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 64 | 97 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 84th | 100th |
| Total assets | $158.0M | $160.4M |
| Deposits / shares | $135.6M | $123.7M |
| Capital ratio | 14.52% | 22.22% (stronger) |
| Problem loans | 1.06% | 0.04% (stronger) |
| Net charge-offs | -0.19% (stronger) | 0.02% |
| Return on assets | 3.21% (stronger) | 1.65% |
| Loans ÷ deposits | 83.3% | 62.8% (stronger) |
| Uninsured deposits | 26.6% | 13.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Central Georgia Bank has the higher TellerScore (97 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Bank of Monticello leads on 2 and West Central Georgia Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.