Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$1.1B
Total Deposits
$949M
Net Loans
$779M
Net Income
$3M
ROA
0.95%
Above avg for Community banks. Peer avg: 0.90%
ROE
11.02%
Risk-Based Capital
0.00%
Below avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 297 | 67% | 17.85% |
| 2023 | 402 | 70.4% | 14.93% |
| 2022 | 541 | 77.82% | 11.46% |
| 2021 | 574 | 70.38% | 16.20% |
| 2020 | 768 | 71.88% | 13.67% |
| 2019 | 468 | 70.09% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2008 | Satisfactory | Intermediate Small Bank |
| Jun 2005 | Outstanding | Large Bank |
| Nov 1999 | Outstanding | Small Bank |
4 previous ratings locked — back to 1991
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
20
Branch Deposits
$963M
1-Year Change
-1
5-year net change: +1 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/the-monticello-banking-company" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 2018 | 426 | 65.02% | 19.72% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red