Bank Comparison
Premier Bank vs Montgomery Bank
BankRegReports is independent of Premier Bank and Montgomery Bank and never asks for online banking logins or passwords.
At Q2 2026, Montgomery Bank is the larger bank, with $1.18B in total assets to Premier Bank's $1.18B; Premier Bank has the higher CET1 ratio (12.48% vs 11.35%) and the higher return on assets (1.97% vs 1.67%).
vs
11 · 5
winning metrics across 17 scored rows (1 tied)
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Premier Bank | Montgomery Bank |
|---|---|---|
| CET1 Ratio | 12.48% | 11.35% |
| Tier 1 Capital Ratio | 12.48% | 11.35% |
| Total Capital Ratio | 13.74% | 12.40% |
| Tier 1 Leverage Ratio | 10.24% | 9.69% |
| Equity / Assets | 9.57% | 11.17% |
Profitability
| Metric | Premier Bank | Montgomery Bank |
|---|---|---|
| Return on Assets (ROA) | 1.97% | 1.67% |
| Return on Equity (ROE) | 19.62% | 15.03% |
| Net Interest Margin (NIM) | 4.50% | 4.77% |
| Yield on Earning Assets | 6.15% | 6.12% |
| Cost of Funds | 1.81% | 1.41% |
Asset quality
| Metric | Premier Bank | Montgomery Bank |
|---|---|---|
| Texas Ratio | 0.02% | 3.60% |
| Non-Performing Loan Ratio | 0.00% | 0.44% |
| Non-Performing Asset Ratio | 0.00% | 0.38% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.40% | 1.05% |
Balance sheet
| Metric | Premier Bank | Montgomery Bank |
|---|---|---|
| Total Assets | $1.18B | $1.18B |
| Total Deposits | $1.05B | $1.03B |
| Total Loans | $893.6M | $994.1M |
| Total Equity | $113.3M | $132.3M |
| Net Income (quarter) | $5.6M | $5.0M |
Liquidity & funding
| Metric | Premier Bank | Montgomery Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 85.30% | 96.90% |
| Core Deposit Ratio | 91.62% | 95.71% |
| Uninsured Deposit Ratio | 48.77% | 24.22% |
Identity
| Metric | Premier Bank | Montgomery Bank |
|---|---|---|
| Headquarters City | Maplewood | Sikeston |
| Headquarters State | MN | MO |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FDIC | FED |
| Domestic Branches | 8 | 12 |
| Employees (FTE) | 102 | 212 |
| Established | August 1, 1974 | 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.
View full Premier Bank profile | View full Montgomery Bank profile | Browse all bank comparisons