Side-by-side · Q2 2026 data
The Merchants & Citizens Bank vs Bank of Monticello
Metric by metric
| Measure | The Merchants & Citizens Bank | Bank of Monticello |
|---|---|---|
| TellerScore | 79 | 83 (stronger) |
| Capital cushion | 82 | 95 (stronger) |
| Loan quality | 88 (stronger) | 65 |
| Earnings | 51 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 64 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 75th | 84th |
| Total assets | $146.0M | $158.0M |
| Deposits / shares | $128.7M | $135.6M |
| Capital ratio | 13.24% | 14.52% (stronger) |
| Problem loans | 0.36% (stronger) | 1.06% |
| Net charge-offs | 0.16% | -0.19% (stronger) |
| Return on assets | 0.77% | 3.21% (stronger) |
| Loans ÷ deposits | 40.4% (stronger) | 83.3% |
| Uninsured deposits | 31.0% | 26.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Monticello has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Merchants & Citizens Bank leads on 2 and Bank of Monticello on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.