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Montrose Savings Bank
Montrose, MO · FDIC Certificate #8594 · Chartered 01/0
Total assets
$63.20M
Total deposits
$53.67M
Total equity
$9.28M
Net loans
$32.44M
Branches (offices)
1
Net income (YTD)
$867.00K
Rank: #3,948 of 4,213 U.S. banks by assets · #188 of 190 in Missouri. Assets changed 10.6% and deposits 10.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.86% |
| Return on equity | 19.05% |
| Net interest margin (YTD) | 4.49% |
| Equity to assets | 14.68% |
| Tier 1 leverage ratio | 14.53% |
| Uninsured deposits (share of deposits) | 4.9% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 60.4% |
| Real estate loans (share of loans) | 77.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $25.27M | 77.9% | |
| Commercial & industrial | $2.02M | 6.2% | |
| Consumer / individual | $1.58M | 4.9% | |
| Construction & development | $745.00K | 2.3% | |
| Agricultural | $4.04M | 12.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $53.30M | $46.53M | $223.00K | $6.74M |
| Jun 2023 | $53.17M | $45.91M | $386.00K | $7.18M |
| Jun 2024 | $55.89M | $47.73M | $543.00K | $7.97M |
| Jun 2025 | $57.14M | $48.62M | $636.00K | $8.28M |
| Jun 2026 | $63.20M | $53.67M | $867.00K | $9.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $53.67M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $53.67M.
Similar-sized banks
State Central Bank ($63.21M) · North County Savings Bank ($63.20M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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