Bank Comparison
Montrose Savings Bank vs First National Bank in Frankfort
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 4
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Montrose Savings Bank | First National Bank in Frankfort |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.65% | 10.57% |
| Equity / Assets | 14.64% | 5.98% |
Profitability
| Metric | Montrose Savings Bank | First National Bank in Frankfort |
|---|---|---|
| Return on Assets (ROA) | 2.54% | 0.78% |
| Return on Equity (ROE) | 17.39% | 12.94% |
| Net Interest Margin (NIM) | 4.69% | 3.34% |
| Yield on Earning Assets | 5.91% | 4.80% |
| Cost of Funds | 1.40% | 1.57% |
Asset quality
| Metric | Montrose Savings Bank | First National Bank in Frankfort |
|---|---|---|
| Texas Ratio | 0.59% | 4.30% |
| Non-Performing Loan Ratio | 0.04% | 0.58% |
| Non-Performing Asset Ratio | 0.02% | 0.29% |
| Net Charge-Off Ratio | 0.26% | -0.03% |
| ACL / Loans | 1.60% | 1.48% |
Balance sheet
| Metric | Montrose Savings Bank | First National Bank in Frankfort |
|---|---|---|
| Total Assets | $61,601K | $61,698K |
| Total Deposits | $52,358K | $57,608K |
| Total Loans | $33,213K | $30,437K |
| Total Equity | $9,021K | $3,690K |
| Net Income (quarter) | $392 | $122 |
Liquidity & funding
| Metric | Montrose Savings Bank | First National Bank in Frankfort |
|---|---|---|
| Loan-to-Deposit Ratio | 63.43% | 52.83% |
| Core Deposit Ratio | 96.53% | 91.62% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Montrose Savings Bank | First National Bank in Frankfort |
|---|---|---|
| Headquarters City | MONTROSE | FRANKFORT |
| Headquarters State | MO | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 11916 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 7 | 8 |
| Established | Jan. 1, 1895, midnight | March 2, 1921, midnight |
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 . 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.
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