Bank Comparison
First State Bank vs Montgomery Bank
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At Q2 2026, First State Bank is the larger bank, with $1.18B in total assets to Montgomery Bank's $1.18B; First State Bank has the higher CET1 ratio (16.00% vs 11.35%) and Montgomery Bank has the higher return on assets (1.67% vs 0.51%).
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winning metrics across 17 scored rows (1 tied)
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Capital adequacy
| Metric | First State Bank | Montgomery Bank |
|---|---|---|
| CET1 Ratio | 16.00% | 11.35% |
| Tier 1 Capital Ratio | 16.00% | 11.35% |
| Total Capital Ratio | 17.25% | 12.40% |
| Tier 1 Leverage Ratio | 10.32% | 9.69% |
| Equity / Assets | 8.85% | 11.17% |
Profitability
| Metric | First State Bank | Montgomery Bank |
|---|---|---|
| Return on Assets (ROA) | 0.51% | 1.67% |
| Return on Equity (ROE) | 5.72% | 15.03% |
| Net Interest Margin (NIM) | 3.39% | 4.77% |
| Yield on Earning Assets | 5.08% | 6.12% |
| Cost of Funds | 1.88% | 1.41% |
Asset quality
| Metric | First State Bank | Montgomery Bank |
|---|---|---|
| Texas Ratio | 1.06% | 3.60% |
| Non-Performing Loan Ratio | 0.15% | 0.44% |
| Non-Performing Asset Ratio | 0.10% | 0.38% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.17% | 1.05% |
Balance sheet
| Metric | First State Bank | Montgomery Bank |
|---|---|---|
| Total Assets | $1.18B | $1.18B |
| Total Deposits | $1.06B | $1.03B |
| Total Loans | $797.3M | $994.1M |
| Total Equity | $104.9M | $132.3M |
| Net Income (quarter) | $1.5M | $5.0M |
Liquidity & funding
| Metric | First State Bank | Montgomery Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.36% | 96.90% |
| Core Deposit Ratio | 90.10% | 95.71% |
| Uninsured Deposit Ratio | 37.99% | 24.22% |
Identity
| Metric | First State Bank | Montgomery Bank |
|---|---|---|
| Headquarters City | Key West | Sikeston |
| Headquarters State | FL | MO |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FDIC | FED |
| Domestic Branches | 9 | 12 |
| Employees (FTE) | 188 | 212 |
| Established | October 29, 1955 | January 1, 1934 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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