BlastPoint's Banking Scorecard
Bank of Monticello
Micro
Specialty: Commercial
GA
FDIC cert 2145
Designations: ✓ Community bank
Monticello, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Bank of Monticello demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.84% above tier
- + Net Interest Margin 1.85% above tier
- + Efficiency Ratio 23.69% 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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.4M
+3.4% YoY
+5.0% QoQ
|
-$59.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$111.3M
+7.3% YoY
+2.1% QoQ
|
-$27.8M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$136.7M
+2.0% YoY
+6.0% QoQ
|
-$47.0M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
2.93%
+4.5% YoY
-6.2% QoQ
|
+1.84% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.70%
+4.5% YoY
-0.1% QoQ
|
+1.85% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
44.04%
-5.4% YoY
+1.3% QoQ
|
-23.69% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
1.40%
-20.9% YoY
-21.2% QoQ
|
+0.76% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
81.44%
+5.2% YoY
-3.7% QoQ
|
+6.91% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
33.16%
+29.2% YoY
+14.7% QoQ
|
+10.76% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
1.16%
-3.8% YoY
-15.5% QoQ
|
+0.70% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
19.11%
+4.3% YoY
-1.0% QoQ
|
+10.25% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.62%
+51.8% YoY
+99.7% QoQ
|
+0.06% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.93%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.70%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
44.04%
(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
98
98th pctile
Return on Assets
Current: 2.93% · Tier avg: 1.08%
97
97th pctile
Net Interest Margin
Current: 5.70% · Tier avg: 3.85%
96
96th pctile
Efficiency Ratio
Current: 44.04% · Tier avg: 67.73%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.16% · Tier avg: 22.39%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.11% · Tier avg: 8.85%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
61
61th pctile
Loan-to-Deposit Ratio
Current: 81.44% · Tier avg: 74.53%
47
47th pctile
Total Loans
Current: $111.3M · Tier avg: $139.2M
41
41th pctile
Total Deposits
Current: $136.7M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $158.4M · Tier avg: $217.5M
20
20th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.16% · Tier avg: 0.45%
Top Weaknesses
16
16th pctile
Nonperforming Asset Ratio
Current: 1.16% · Tier avg: 0.45%
20
20th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.64%
41
41th pctile
Total Assets
Current: $158.4M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $136.7M · Tier avg: $183.7M
47
47th pctile
Total Loans
Current: $111.3M · Tier avg: $139.2M
61
61th pctile
Loan-to-Deposit Ratio
Current: 81.44% · Tier avg: 74.53%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.11% · Tier avg: 8.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.16% · Tier avg: 22.39%
96
96th pctile
Efficiency Ratio
Current: 44.04% · Tier avg: 67.73%
97
97th pctile
Net Interest Margin
Current: 5.70% · Tier avg: 3.85%
98
98th pctile
Return on Assets
Current: 2.93% · Tier avg: 1.08%