# BANK OF MONTICELLO
MONTICELLO, MO · FDIC certificate 12232 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $159.0M | |
| Deposits | $140.4M | |
| Loans and leases | $102.4M | |
| Total equity | $16.7M | |
| Loans / deposits | 72.16% (p47 of band) | 73.59% |
| Liquid assets / assets | 32.88% (p51 of band) | |
| Uninsured deposits / deposits | 20.32% (p52 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.63% (p51 of band) | |
| FHLB advances / assets | 0.63% | |
| Tier 1 leverage | 11.95% (p52 of band) | 11.76% |
| Unrealized securities loss / equity | -14.66% (p31 of band) | -6.57% |
| AOCI / equity | -0.63% (p39 of band) | |
| ROA (annualized) | 2.21% (p90 of band) | 1.17% |
| Net interest margin | 4.14% (p62 of band) | 3.93% |
| Efficiency ratio | 46.22% (p8 of band) | |
| Noncurrent loans | 2.32% (p88 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 46.21% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 6.68% (p32 of band) | |
| Auto loans | $1.8M (1.80% of loans; DQ 1.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, losing money |  |
| 2012-06 | 0 |  | capital falling, losing money |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 | uninsured deposits leaving | capital falling |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |  |
| 2022-09 | 2 |  | charge-offs p90, assets shrinking |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 1 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 4 | capital falling, charge-offs p90 |  |
| 2025-06 | 2 |  | capital falling, charge-offs p90 |
| 2025-09 | 1 |  | noncurrent p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-04-22 [Warren and Monticello banks will combine - Magnolia Reporter](https://news.google.com/rss/articles/CBMitAFBVV95cUxQbnI2bGplbUl6TFdldmNJLTE0dVVFOG5JMk1oRjh4bl9JY3FaWjJpcC05MklWazlvcUt0WVhTdHQ2ZzNFNUNKSXI1cWE3dHJBQjhsWEhFZXZ5a3AxcGNqa1l5SjNmVXR2WTdYd2UtNkMwdk9oUGVQS3RoLUxLWjU5YWpSRURfSWx1Q3gwOGdmN0hoSnhjeGtHZGdMWDZaUFp0eVVfSXJyU1BFSjFkUGtVeDA0UXo?oc=5) · Magnolia Reporter
- 2024-02-29 [Google Wallet now supports 40 more banks - can you finally pay by phone? - zdnet.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdElTT1pXSzdNcE5QV3Z2ZUNXVjJyQmk1LXlzNE5UN3ZmYjU1d3RXYTBFVlpSbGJSc1hOV2UxbXFacDVHSlJHUk90WDJZcDBWM1lBV2xzWjU4YldCNmdKSTJlZHlmM1NqTDlHXzZVRzhfX0NkZTh1eTEtMWkxZ0RiY18ybXBTNVJWUWdiSmlXRVU2Z2N2NXIzbU5EZjE5Mm5uNnc?oc=5) · zdnet.com
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2024-02-29 [Google Wallet gains support for 42 more banks ahead of planned Google Pay app shutdown - Android Central](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOE5QeGtRbEI0Z09yRXY2Z2EzOFhBbUdJa0Uxb2tEWmt2QkYyampBWHl4MkN0XzBSRFpVYjhaQlVmcWJPelZWUzlSdXQ1VDc1NWg1V3ZJdGNFMWJJaGlfR0hTY3RaaTF1eDZEdDdLX2Jka3BLZmJTQW5qN0ltSFJmbXp1MTR5YnZpRDJicldHNWU?oc=5) · Android Central
- 2025-09-08 [Lou Ann Bringer Obituary (2025) - Jonesboro, AR - Emerson Funeral Home - Jonesboro - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNbUhXcnZSY2ZWRXh1b2sxYXVKYzRSMVJ4YkRKOWZvYzlZWTRhdmdLQmlYQnIteWVCNllsSm9raDRzdm9ySXJFY3pLc2F2cjQ1NVBZLXdBS21adTBfbHRzbzZHazFvUU95SGpfWEJZcEdMa1JGLVM3ZGxvaXY5cEs2OEhiMnc?oc=5) · legacy.com
- 2022-11-21 [Community Banks with the Highest Returns on Average Assets (Sep. 30, 2022) - American Banker](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQN0FfZ196RmlCc0FsOXYwaW9hal83RWRNbHI0MzBUSkhqV2d3WTVwbGpwakQ4Vld1OENfdjlKQ2F1c3VfbkxrZmJNVllOTm02dDZEQXhhdW85YVAzOG5uWE5xYk5oRlVEVHlGcDFEQ0NTUDFfZDdtdHdjMTBEVFNUaHhrT081YWlPalh0STZiNWJlRFlQTXluNTgxeEVISGRBdUhrZ0FDLWJjZw?oc=5) · American Banker
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2024-01-10 ['God has a purpose behind the pain': Pastor speaks about fire that destroyed church building, parsonage - The Pathway](https://news.google.com/rss/articles/CBMizwFBVV95cUxNLUVkb25TdFB2bWF2V0NGVl9QRjRLRG91LXZ5dnA0NnhMTmNxUDduV0p1QmhhTnNyQ3FWV01wWjFYMHhTbTFsYWN4MEYzM1JJa1dmT1REaktTQ3BmTG9IZWZWRWduLVZoOXZlZUNJcllyV29NdFVqS3pVYXhpaEd3cUVBdDFoUkNuSlpVcXZ3Ym1rTEs0RmgwUTVRaFVndDJkdlZnRGJfeEVwMVNqQzRXNExwdGVmaUlmY0R5R0lIbjBIUU4zU0oxSnFWNWs1amM?oc=5) · The Pathway

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12232 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "12232", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide