| Metric | Bank of Monticello | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.1 pts |
| Loan growth (YoY) | +10.2% | +5.6% | +4.6 pts |
| ROA | 2.21% | 1.24% | +1.0 pts |
| ROE | 21.5% | 11.9% | +9.6 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $159.0M | $140.4M | $101.3M | $16.7M | $1.8M | 2.21% | 4.14% | 1.49% |
| Q1 2026 | $156.5M | $138.7M | $94.8M | $15.9M | $899K | 2.22% | 4.05% | 1.30% |
| Q4 2025 | $167.5M | $148.4M | $94.7M | $17.0M | $3.2M | 2.07% | 4.15% | 1.21% |
| Q3 2025 | $150.3M | $132.6M | $95.5M | $16.0M | $2.5M | 2.21% | 4.18% | 1.51% |
| Q2 2025 | $152.1M | $135.0M | $92.0M | $14.4M | $1.6M | 2.11% | 4.06% | 1.58% |
| Q1 2025 | $148.9M | $132.1M | $86.3M | $14.1M | $818K | 2.19% | 3.89% | 1.70% |
| Q4 2024 | $149.5M | $132.3M | $86.5M | $14.2M | $2.5M | 1.77% | 3.82% | 1.70% |
| Q3 2024 | $142.5M | $124.8M | $87.3M | $14.7M | $2.1M | 2.01% | 3.97% | 0.36% |
Loan mix (Q2 2026): real estate $78.1M · commercial $8.5M · consumer $3.3M · securities $39.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Monticello | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 21.5% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.2% | 62.9% | 10th |
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% |
The full ratio pack is part of CharterBench Pro.