B
Bank of Monticello
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Bank of Monticello
Monticello, GA
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Rating B
Asset Quality Index 5.30
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 10.00
Stability Index 8.70
Company Info Bank of Monticello
Monticello, GA
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FDIC Number 2145
Phone Number (706) 468-6418
Website bankofmonticelloga.com
Asset Quality Bank of Monticello
Monticello, GA
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1-Year Asset Growth -1.46%
5-Year Asset Growth 7.81%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.21%
Non-Performing Assets to Assets 1.37%
Non-Performing Loans to Capital 8.28%
Non-Performing Loans to Loans 1.76%
Balance Sheet Bank of Monticello
Monticello, GA
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Total Assets 150.88M
Total Deposits 128.97M
Capital and Reserves Bank of Monticello
Monticello, GA
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Capital 20.94M
Leverage Ratio 14.49
Loan Loss Reserves to Loans 1.34%
Risk-Based Capital Ratio 20.55
Liquidity Bank of Monticello
Monticello, GA
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Hot Money Ratio 6.93%
Liquidity Ratio 21.59%
Profitability Bank of Monticello
Monticello, GA
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5-Year Return on Average Assets 2.13%
Net Income 3.59M
Net Interest Spread 5.64%
Operating Profit to Average Assets 3.26%
Overhead Efficiency Ratio 43.48%
Return on Assets 3.15%
Return on Equity 24.56%