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Bank Of Monticello
Monticello, GA · FDIC Certificate #2145 · Chartered 01/0
Total assets
$158.02M
Total deposits
$135.59M
Total equity
$21.53M
Net loans
$112.95M
Branches (offices)
1
Net income (YTD)
$2.55M
Rank: #3,249 of 4,213 U.S. banks by assets · #100 of 123 in Georgia. Assets changed 3.0% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.21% |
| Return on equity | 23.75% |
| Net interest margin (YTD) | 5.68% |
| Equity to assets | 13.62% |
| Tier 1 leverage ratio | 14.52% |
| Uninsured deposits (share of deposits) | 26.6% |
| Noncurrent loans (share of loans) | 1.06% |
| Net charge-offs (share of loans) | -0.19% |
| Loans to deposits | 83.3% |
| Real estate loans (share of loans) | 84.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $95.80M | 84.8% | |
| Commercial & industrial | $10.26M | 9.1% | |
| Consumer / individual | $8.68M | 7.7% | |
| Construction & development | $32.71M | 29.0% | |
| Agricultural | $55.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $165.92M | $152.14M | $1.35M | $12.66M |
| Jun 2023 | $160.10M | $143.91M | $2.22M | $15.11M |
| Jun 2024 | $151.40M | $133.41M | $2.15M | $17.01M |
| Jun 2025 | $153.35M | $133.09M | $2.29M | $19.28M |
| Jun 2026 | $158.02M | $135.59M | $2.55M | $21.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $135.59M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $135.59M.
Similar-sized banks
The Fayette County National Bank Of Fayetteville ($158.07M) · Legends West Bank ($157.81M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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