Bank Comparison
Montgomery Bank vs Metro Bank
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At Q2 2026, Montgomery Bank is the larger bank, with $1.18B in total assets to Metro Bank's $1.18B; Montgomery Bank has the higher return on assets (1.67% vs 1.65%).
vs
11 · 3
winning metrics across 14 scored rows
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Capital adequacy
| Metric | Montgomery Bank | Metro Bank |
|---|---|---|
| CET1 Ratio | 11.35% | — |
| Tier 1 Capital Ratio | 11.35% | — |
| Total Capital Ratio | 12.40% | — |
| Tier 1 Leverage Ratio | 9.69% | 14.68% |
| Equity / Assets | 11.17% | 14.41% |
Profitability
| Metric | Montgomery Bank | Metro Bank |
|---|---|---|
| Return on Assets (ROA) | 1.67% | 1.65% |
| Return on Equity (ROE) | 15.03% | 11.70% |
| Net Interest Margin (NIM) | 4.77% | 3.65% |
| Yield on Earning Assets | 6.12% | 5.13% |
| Cost of Funds | 1.41% | 1.70% |
Asset quality
| Metric | Montgomery Bank | Metro Bank |
|---|---|---|
| Texas Ratio | 3.60% | 5.39% |
| Non-Performing Loan Ratio | 0.44% | 1.18% |
| Non-Performing Asset Ratio | 0.38% | 0.81% |
| Net Charge-Off Ratio | 0.00% | 0.30% |
| ACL / Loans | 1.05% | 1.15% |
Balance sheet
| Metric | Montgomery Bank | Metro Bank |
|---|---|---|
| Total Assets | $1.18B | $1.18B |
| Total Deposits | $1.03B | $1.01B |
| Total Loans | $994.1M | $594.2M |
| Total Equity | $132.3M | $170.4M |
| Net Income (quarter) | $5.0M | $4.9M |
Liquidity & funding
| Metric | Montgomery Bank | Metro Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.90% | 59.11% |
| Core Deposit Ratio | 95.71% | 81.02% |
| Uninsured Deposit Ratio | 24.22% | 36.97% |
Identity
| Metric | Montgomery Bank | Metro Bank |
|---|---|---|
| Headquarters City | Sikeston | Pell City |
| Headquarters State | MO | AL |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FED | FDIC |
| Domestic Branches | 12 | 9 |
| Employees (FTE) | 212 | 159 |
| Established | January 1, 1934 | May 30, 1989 |
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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