Bank of Monticello
Monticello, GA
IDRSSD: 805335
Total Assets
$158.35M
Latest filing
Total Deposits
$136.70M
Latest filing
Net Interest Margin
5.78%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061103315MONTICELLO, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Monticello
141 E Greene St
Monticello, GA 31064
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1909FDIC Certificate 1416
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Bank of Monticello (Main) | 141 E Greene St | Monticello, GA | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31064 |
| State and County Number | 13159 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Atlanta-Sandy Springs-Alpharetta, GA |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankofmonticelloga.com |
| Data Updated | 01/30/2026 |
| CERT | 2145 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $158.35M |
| Total Deposits | $136.70M |
| Total Liabilities | $137.54M |
| Total Equity Capital | $20.81M |
| Net Income | $929.00k |
| Net Loans and Leases | $111.33M |
| Assets Per Employee ($Millions) | $6.88M |
| Bank Premises and Fixed Assets | $752.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $136.70M |
Key Performance Ratios
| Return on Assets (ROA) | 2.4% |
| Return on Equity (ROE) | 17.8% |
| Net Interest Margin | 5.78% |
| Efficiency Ratio | 45.45% |
| Tier 1 Risk-Based Capital Ratio | 19.106% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.142% |
| Earning Assets to total Assets | 96.55% |
Income and Expense
| Total Interest Income | $2.54M |
| Total Noninterest Income | $513.00k |
| Total Interest Expense | $387.00k |
| Total Noninterest Expense | $1.21M |
| Net Interest Income | $2.16M |
| Pre-tax Net Operating Income | $981.00k |
| Provision for Credit Losses | $476.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $269.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.57M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $839.00k |
| Total Liabilities and Capital | $158.35M |
Securities
| Securities | $16.61M |
| Available-for-sale debt securities | $16.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Monticello?
$158.35M as of the latest filing.
How much are Bank of Monticello's total deposits?
$136.70M in total deposits.
Where is Bank of Monticello located?
Monticello, GA.
What is the Net Interest Margin?
5.78%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1909.
What is the Return on Assets (ROA)?
2.4%.
How much are total loans and leases?
$111.33M (latest filing).
What is the total interest income (latest filing)?
$2.54M.