MONTROSE SAVINGS BANK

MONTROSE, MO | Micro | Est. Jan. 1, 1895, midnight | FDIC #8594 | RSSD #753052 | FDIC
Latest Report: 2025-12-31

MONTROSE SAVINGS BANK is amn micro FDIC-insured commercial bank headquartered in MONTROSE, MO, established in Jan. 1, 1895, midnight. As of 2025-12-31, the bank reported total assets of $57M and total deposits of $48M. Profitability stands at 2.37% ROA and 15.84% ROE, with a net interest margin of 4.80%. The bank's CET1 capital ratio is 15.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.33%. FDIC Certificate #8594. The institution operates 1 domestic branch.

Assets

$57M

Deposits

$48M

Loans

$33M

Equity

$9M

Profitability

Return on Assets (ROA) 2.37%
Return on Equity (ROE) 15.84%
Net Interest Margin (NIM) 4.80%
Yield on Assets 6.12%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.33%
NPA Ratio 0.06%
ACL / Loans 1.64%

Capital & Liquidity

CET1 Ratio 15.71%
Tier 1 Capital 15.71%
Total Capital Ratio 16.49%
Leverage Ratio 14.94%
Loan-to-Deposit 69.67%

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