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This institution is no longer active

Operations ceased on March 23, 2013. CRA examination history below reflects the period it was active.

BANK OF MONTICELLO

MONTICELLO, WI · Supervised by FDIC

Est. 1896FDIC #11,609RSSD: FDIC-11609
Part ofGREENWOODS FINANCIAL GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2009

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Address

238 North Main Street, MONTICELLO, WI

County

Green County

Established

January 1, 1896

Total Assets

$76M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 5, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2012Call Report / FDIC

Total Assets

$76M

Total Deposits

$68M

Net Loans

$43M

Net Income

$334K

ROA

0.44%

ROE

4.06%

Risk-Based Capital

12.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.46%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246792.54%7.46%
202384100%0.00%
20204288.1%2.38%
20199592.63%1.05%
20189788.66%3.09%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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