| Metric | Bank of Monticello | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.0 pts |
| ROA | 3.21% | 1.24% | +2.0 pts |
| ROE | 23.8% | 11.9% | +11.9 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $158.0M | $135.6M | $113.0M | $21.5M | $2.5M | 3.21% | 5.68% | 0.77% |
| Q1 2026 | $160.4M | $137.6M | $109.5M | $22.0M | $1.3M | 3.14% | 5.65% | 1.09% |
| Q4 2025 | $158.4M | $136.7M | $111.3M | $20.8M | $4.5M | 2.93% | 5.70% | 1.16% |
| Q3 2025 | $150.9M | $129.0M | $109.0M | $20.9M | $3.6M | 3.12% | 5.71% | 1.37% |
| Q2 2025 | $153.3M | $133.1M | $110.1M | $19.3M | $2.3M | 2.98% | 5.55% | 1.34% |
| Q1 2025 | $155.2M | $134.8M | $107.0M | $19.5M | $1.1M | 2.84% | 5.42% | 1.19% |
| Q4 2024 | $153.1M | $134.0M | $103.8M | $18.2M | $4.3M | 2.80% | 5.46% | 1.20% |
| Q3 2024 | $153.1M | $134.0M | $106.7M | $18.3M | $3.2M | 2.86% | 5.38% | 1.04% |
Loan mix (Q2 2026): real estate $95.8M · commercial $10.3M · consumer $8.7M · securities $15.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Monticello | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.21% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 23.8% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.68% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 42.4% |
| 62.9% |
| — |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Monticello | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Monticello | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Monticello | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Monticello | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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