Montgomery Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Montgomery Bank of Sikeston, MO against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.67% | 1.34% | +0.33% | 74th above |
| ROAE | 15.03% | 12.34% | +2.69% | 70th above |
| Net Interest Margin | 4.77% | 3.83% | +0.94% | 92nd top |
| Efficiency Ratio | 64.28% | 58.97% | +5.31% | 32nd below |
| PPNR / Avg Assets | 1.76% | — | — | 51st above |
| Yield on Earning Assets | 6.12% | 5.71% | +0.41% | 80th top |
| Cost of Funds | 1.41% | 2.02% | -0.61% | 83rd top |
| Net Interest Spread | 4.33% | — | — | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.44% | 0.87% | -0.43% | 57th above |
| NPA / Total Assets | 0.38% | — | — | 54th above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 72nd above |
| ACL / Total Loans | 1.05% | — | — | 36th below |
| ACL / NPLs (Coverage) | 237.76% | — | — | 56th above |
| Texas Ratio | 3.60% | 5.48% | -1.88% | 50th above |
| Provision / NCO | -166.67% | — | — | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.35% | 14.99% | -3.64% | 15th bottom |
| Tier 1 Ratio | 11.35% | 15.02% | -3.67% | 14th bottom |
| Total Capital Ratio | 12.40% | — | — | 14th bottom |
| Leverage Ratio | 9.69% | 11.11% | -1.42% | 28th below |
| Equity / Assets | 11.17% | 11.02% | +0.15% | 62nd above |
| TCE / Tangible Assets | 9.73% | — | — | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.90% | 86.99% | +9.91% | 24th bottom |
| Core Deposit Ratio | 95.71% | 85.57% | +10.14% | 89th top |
| Uninsured Deposit Ratio | 24.22% | 33.19% | -8.97% | 73rd above |
| Wholesale Funding Ratio | 1.50% | — | — | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.34% | — | — | 16th bottom |
| Loan Growth (Y/Y) | 0.39% | — | — | 18th bottom |
| Deposit Growth (Y/Y) | -0.94% | — | — | 13th bottom |
See Montgomery Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Montgomery Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Montgomery Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Montgomery Bank peer analysis.