BlastPoint's Banking Scorecard
Bank of Monticello
Micro
Specialty: Agricultural
MO
FDIC cert 12232
Designations: ✓ Community bank
Monticello, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Bank of Monticello shows strong momentum with 2 strengths and 12.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.98% above tier
- + Efficiency Ratio 17.85% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.5M
+12.0% YoY
+11.4% QoQ
|
-$49.9M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$94.7M
+9.5% YoY
-0.9% QoQ
|
-$44.5M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$148.4M
+12.1% YoY
+11.9% QoQ
|
-$35.3M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
2.07%
+16.9% YoY
-6.4% QoQ
|
+0.98% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.15%
+8.5% YoY
-0.8% QoQ
|
+0.30% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
49.87%
-8.0% YoY
+6.6% QoQ
|
-17.85% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
2.15%
-26.9% YoY
-9.6% QoQ
|
+1.51% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
63.80%
-2.3% YoY
-11.4% QoQ
|
-10.73% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
20.79%
+31.5% YoY
+22.1% QoQ
|
-1.60% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.21%
-28.5% YoY
-19.6% QoQ
|
+0.76% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.21%
-18.9% YoY
+17.6% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.07%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.87%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
90
90th pctile
Efficiency Ratio
Current: 49.87% · Tier avg: 67.73%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.80% · Tier avg: 74.53%
65
65th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.79% · Tier avg: 22.39%
45
45th pctile
Total Deposits
Current: $148.4M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $167.5M · Tier avg: $217.5M
41
41th pctile
Total Loans
Current: $94.7M · Tier avg: $139.2M
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.21% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.15% · Tier avg: 0.64%
Top Weaknesses
12
12th pctile
Delinquency Rate
Current: 2.15% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.21% · Tier avg: 0.45%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
41
41th pctile
Total Loans
Current: $94.7M · Tier avg: $139.2M
42
42th pctile
Total Assets
Current: $167.5M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $148.4M · Tier avg: $183.7M
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.79% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.85%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.80% · Tier avg: 74.53%
90
90th pctile
Efficiency Ratio
Current: 49.87% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%