Montgomery Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 9.02 percentage points in Q2 2026, from 95.41% to 86.39%. It was the largest change from Q1 2026 among the key lines here. Montgomery Bank ranks 70th of 191 Missouri banks on return on assets, in the upper half at 1.67% (Q2 2026). Montgomery Bank reported 1.67% on return on assets for Q2 2026, 0.40 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.35% |
| Tier 1 risk-based capital ratio | 11.35% |
| Total risk-based capital ratio | 12.40% |
| Tier 1 leverage ratio | 9.69% |
| Equity capital to assets | 11.17% |
| Tangible equity to tangible assets | 9.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.21% |
| Non-performing assets ratio | 1.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.60% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 86.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 15.03% |
| Net interest margin | 4.77% |
| Efficiency ratio | 64.28% |
| Yield on earning assets | 6.12% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.90% |
| Core deposits to total deposits | 95.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.60% |
| Securities to assets | 1.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.43% | 10.43% | 11.37% | 7.23% | 0.59% |
| Q4 2023 | 10.27% | 10.27% | 11.20% | 7.43% | 0.66% |
| Q1 2024 | 10.25% | 10.25% | 11.18% | 8.15% | 0.89% |
| Q2 2024 | 10.14% | 10.14% | 11.09% | 8.52% | 1.31% |
| Q3 2024 | 10.29% | 10.29% | 11.26% | 8.67% | 1.17% |
| Q4 2024 | 10.30% | 10.30% | 11.29% | 8.91% | 1.14% |
| Q1 2025 | 10.62% | 10.62% | 11.61% | 9.15% | 1.42% |
| Q2 2025 | 10.56% | 10.56% | 11.56% | 9.18% | 1.47% |
| Q3 2025 | 10.51% | 10.51% | 11.51% | 9.30% | 1.57% |
| Q4 2025 | 10.81% | 10.81% | 11.84% | 9.49% | 1.54% |
| Q1 2026 | 11.53% | 11.53% | 12.60% | 9.64% | 1.61% |
| Q2 2026 | 11.35% | 11.35% | 12.40% | 9.69% | 1.67% |
Montgomery Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Montgomery Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Montgomery Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8255) · FFIEC NIC profile (RSSD 613558)