Side-by-side · Q2 2026 data
Commercial Trust Company of Fayette vs Bank of Monticello
Metric by metric
| Measure | Commercial Trust Company of Fayette | Bank of Monticello |
|---|---|---|
| TellerScore | 74 (stronger) | 66 |
| Capital cushion | 54 | 69 (stronger) |
| Loan quality | 88 (stronger) | 23 |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 67 | 82 (stronger) |
| Problem-loan coverage | 95 (stronger) | 73 |
| Peer percentile | 57th | 31st |
| Total assets | $163.8M | $159.0M |
| Deposits / shares | $145.2M | $140.4M |
| Capital ratio | 10.41% | 11.95% (stronger) |
| Problem loans | 0.36% (stronger) | 2.32% |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 1.47% | 2.21% (stronger) |
| Loans ÷ deposits | 75.4% | 72.2% (stronger) |
| Uninsured deposits | 30.7% | 20.3% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
Commercial Trust Company of Fayette has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Commercial Trust Company of Fayette leads on 2 and Bank of Monticello on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.