B
Bank of Monticello
Rating Date
March 2026
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 5.60
Capitalization Index 10.00
Liquidity Index 2.60
Profitability Index 10.00
Stability Index 9.10
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 3.42%
5-Year Asset Growth 3.03%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.43%
Non-Performing Assets to Assets 1.12%
Non-Performing Loans to Capital 6.66%
Non-Performing Loans to Loans 1.33%
Balance Sheet Bank of Monticello
Monticello, GA
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Total Assets 158.35M
Total Deposits 136.70M
Capital and Reserves Bank of Monticello
Monticello, GA
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Capital 20.81M
Leverage Ratio 14.55
Loan Loss Reserves to Loans 1.47%
Risk-Based Capital Ratio 20.36
Liquidity Bank of Monticello
Monticello, GA
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Hot Money Ratio 6.47%
Liquidity Ratio 24.53%
Profitability Bank of Monticello
Monticello, GA
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5-Year Return on Average Assets 2.13%
Net Income 4.51M
Net Interest Spread 5.70%
Operating Profit to Average Assets 3.10%
Overhead Efficiency Ratio 44.04%
Return on Assets 2.98%
Return on Equity 22.78%