Side-by-side · Q2 2026 data
The Monticello Banking Company vs The Cecilian Bank
Metric by metric
| Measure | The Monticello Banking Company | The Cecilian Bank |
|---|---|---|
| TellerScore | 71 | 77 (stronger) |
| Capital cushion | 52 | 60 (stronger) |
| Loan quality | 96 (stronger) | 87 |
| Earnings | 59 | 87 (stronger) |
| Funding & liquidity | 62 | 66 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 63rd | 83rd |
| Total assets | $1.1B | $1.6B |
| Deposits / shares | $924.3M | $1.3B |
| Capital ratio | 10.17% | 10.99% (stronger) |
| Problem loans | 0.11% (stronger) | 0.40% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 0.97% | 1.67% (stronger) |
| Loans ÷ deposits | 82.8% | 79.5% (stronger) |
| Uninsured deposits | 28.7% | 28.6% (stronger) |
| Offices | 21 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 11.4% |
The Cecilian Bank has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Monticello Banking Company leads on 1 and The Cecilian Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.