Bank of Monticello: how it compares with its peers
Against 88 MO banks with half to twice its assets, Bank of Monticello's strongest measure in Q2 2026 is efficiency ratio (46.22% vs. a 61.27% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $6.2M).
| Measure | Bank of Monticello | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.21% | 1.25% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 3.96% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.22% | 61.27% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.2M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.16% | 79.21% | Context |
What it means for lending operations
Its efficiency ratio of 46.22% is better than the 61.27% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Edward Jones Trust Company Saint Louis, MO · $161M
- Security Bank of Pulaski County Saint Robert, MO · $163M
- Security Bank of the Ozarks Eminence, MO · $155M
- Commercial Trust Company of Fayette Fayette, MO · $164M
- Northeast Missouri State Bank Kirksville, MO · $164M
- Grand Missouri Bank Bolivar, MO · $151M
Questions about Bank of Monticello
How big is Bank of Monticello?
Bank of Monticello, established in 1928, is headquartered in Monticello, MO. It reported $159M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Monticello's return on assets?
2.21% annualized in Q2 2026, against a 1.25% median for 88 MO banks with half to twice its assets, ahead of 85% of them.
What is Bank of Monticello's efficiency ratio?
46.22% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 61.27%, and lower is better.
Is Bank of Monticello growing its loans?
Net loans grew 10.2% over the year to Q2 2026, while deposits grew 4.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.