Montgomery Bank
Total assets
$1.18B
▲ +0.3% YoY
Deposits
$1.03B
▼ -0.9% YoY
Loans
$983.7M
▲ +0.3% YoY
Offices
12
MONTGOMERY BCORP INC
ROA (annualized)
1.63%
peers 1.26%
ROE (annualized)
14.90%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Montgomery Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +5.5% | -5.1 pts |
| Deposit growth (YoY) | -0.9% | +5.1% | -6.0 pts |
| Loan growth (YoY) | +0.3% | +5.9% | -5.6 pts |
| ROA | 1.63% | 1.26% | +0.4 pts |
| ROE | 14.9% | 12.2% | +2.7 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FED
- Holding company
- MONTGOMERY BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 1 Montgomery Bank Plaza St, Sikeston, MO, 63801
- County
- Scott
- Metro area
- Sikeston, MO
- Offices
- 12
- FDIC cert #
- 8255
- RSSD ID
- 613558
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.18B | $1.03B | $983.7M | $132.3M | $9.8M | 1.63% | 4.68% | 0.38% |
| Q1 2026 | $1.22B | $1.08B | $968.7M | $133.0M | $4.8M | 1.60% | 4.55% | 0.27% |
| Q4 2025 | $1.20B | $1.04B | $1.01B | $130.5M | $17.6M | 1.48% | 4.61% | 0.30% |
| Q3 2025 | $1.21B | $1.05B | $1.01B | $127.2M | $13.0M | 1.46% | 4.53% | 0.24% |
| Q2 2025 | $1.18B | $1.04B | $980.3M | $125.6M | $8.4M | 1.43% | 4.46% | 0.28% |
| Q1 2025 | $1.19B | $1.05B | $963.9M | $124.3M | $4.1M | 1.39% | 4.35% | 0.33% |
| Q4 2024 | $1.16B | $1.00B | $972.3M | $122.4M | $13.3M | 1.10% | 3.93% | 0.28% |
| Q3 2024 | $1.17B | $1.00B | $959.1M | $120.3M | $10.0M | 1.10% | 3.83% | 0.30% |
Loan mix (Q2 2026): real estate $823.4M · commercial $135.4M · consumer $4.5M · securities $18.8M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Montgomery Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.26% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 12.2% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.70% | 91th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 59.0% | 69th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Montgomery Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Montgomery Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Montgomery Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Montgomery Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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