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Bank of Monticello

Monticello, MO
IDRSSD: 937553
Total Assets
$150.34M
Latest filing
Total Deposits
$132.59M
Latest filing
Net Interest Margin
4.40%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date02/27/1928
Community BankYes
Ownership TypeNot Mutual
ZIP63457
State and County Number29111
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameQuincy, IL-MO

Operational Info

Number of Employees29
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.bankofmonticello.com
Data Updated11/14/2025
CERT12232
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$150.34M
Total Deposits$132.59M
Total Liabilities$134.30M
Total Equity Capital$16.04M
Net Income$906.00k
Net Loans and Leases$95.51M
Assets Per Employee ($Millions)$5.37M
Bank Premises and Fixed Assets$651.00k
Cash and Balances due from Depository Institutions$10.81M
Deposits Held in Domestic Offices$132.59M

Key Performance Ratios

Return on Assets (ROA)2.4%
Return on Equity (ROE)23.85%
Net Interest Margin4.4%
Efficiency Ratio45.57%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets-0.01%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.67%
Earning Assets to total Assets93.65%

Income and Expense

Total Interest Income$2.27M
Total Noninterest Income$96.00k
Total Interest Expense$707.00k
Total Noninterest Expense$758.00k
Net Interest Income$1.56M
Pre-tax Net Operating Income$906.00k
Provision for Credit Losses$-3,000
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$1.04M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$668.00k
Total Liabilities and Capital$150.34M

Securities

Securities$38.61M
Available-for-sale debt securities$38.61M
Equity securities with readily determinable fair values not held for trading$0
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?
$150.34M as of the latest filing.
How much are Bank of Monticello's total deposits?
$132.59M in total deposits.
Where is Bank of Monticello located?
Monticello, MO.
What is the Net Interest Margin?
4.40%.
How many domestic offices does it operate?
3.
When was it established?
02/27/1928.
What is the Return on Assets (ROA)?
2.4%.
How much are total loans and leases?
$95.51M (latest filing).
What is the total interest income (latest filing)?
$2.27M.