Montrose Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Montrose Savings Bank is an FDIC-insured commercial bank headquartered in Montrose, MO, established in 1895 (FDIC certificate 8594), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $63.2M, up 10.6% from Q2 2025, the 188th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8594
- Headquarters
- Montrose, MO
- Established
- 1895
- Total assets, Q2 2026
- $63.2M
- Assets vs Q2 2025
- +10.6%
- Tier 1 leverage ratio, Q2 2026
- 14.53%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101906249
- Latest call report
- Q2 2026, FFIEC 051 · Montrose Savings Bank call report
- Holding company
- MONTROSE SAVINGS BANCSHARES, INC.
- Asset rank in state
- 188th of 191 in Missouri
Montrose Savings Bank is one of the more profitable banks of its size. The Montrose, Missouri bank had $63 million in assets at June 30, 2026, up 10.6% from a year earlier. It earns about $2.98 a year on every $100 of assets, about triple the median of $1.06 for the 583 banks with less than $100 million in assets. It also spends about 31 cents to bring in each dollar of revenue, about half the median of 69 cents for banks its size.
Earnings jumped: net income for the quarter was $475,000, 41% above the same quarter a year earlier. Over the same year, loans grew 3.3% and deposits grew 10.4%.
As of June 30, 2026, Montrose Savings Bank reported a return on assets of 2.98%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.43%. The figures come from its call report filed with the FFIEC.
Montrose Savings Bank ranks as the 188th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.6% to $63.2M, loans fell 0.7% and deposits rose 2.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.5% of total loans, followed by farmland and other real estate loans at 29.8%. The FDIC Summary of Deposits lists a single office for it, in Montrose, MO. Judged on its Q2 2026 call report, Montrose Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 401 Missouri Ave, Montrose, MO 64770
- County
- Henry
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1895
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $53.7M
- Allowance for credit losses
- $539K
- Net charge-offs (YTD)
- $20K
- Average total assets
- $63.7M
- Average total loans
- $32.0M
- Average interest-bearing deposits
- $41.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8594
- Fed RSSD
- 753052
- Parent Holding Company
- MONTROSE SAVINGS BANCSHARES, INC. (RSSD 1062694)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Montrose Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Montrose Savings Bank's total assets moved between a low of $53.7M (Q3 2023) and a high of $63.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$63.2M total assets against $57.1M; $53.9M total liabilities against $48.9M.
$32.4M net loans and leases against $31.4M; $53.7M total deposits against $48.6M.
$21.7M securities against $17.9M; $8.2M cash and balances due against $7.2M.
$861K total interest income against $783K; $184K total interest expense against $178K.
$677K net interest income against $605K.
$48K total noninterest income against $16K; $233K total noninterest expense against $264K.
$6K provision for credit losses against $3K.
$475K net income against $338K.
2.98% return on assets against 2.30%; 4.77% net interest margin against 4.56%.
14.53% tier 1 leverage ratio against 14.41%.
Inside the full Montrose Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.64% (Q4 2024) to 2.98% (Q2 2026) and its net interest margin ran from 4.09% (Q3 2024) to 4.85% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.53% | 2.98% | 0.13% | 0.43% | 4.77% |
| Q1 2026 | 14.65% | 2.54% | 0.17% | 0.59% | 4.69% |
| Q4 2025 | 14.94% | 2.33% | 0.14% | 0.49% | 4.85% |
| Q3 2025 | 14.42% | 2.67% | 0.13% | 0.49% | 4.74% |
| Q2 2025 | 14.41% | 2.30% | 0.14% | 0.51% | 4.56% |
| Q1 2025 | 14.62% | 2.07% | 0.16% | 0.55% | 4.24% |
| Q4 2024 | 14.85% | 1.64% | 0.15% | 0.51% | 4.13% |
| Q3 2024 | 14.87% | 2.14% | 0.02% | 0.08% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Montrose Savings Bank (main office) | Montrose , MO | 64770 | $53.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 227 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Montrose Savings Bank
What are Montrose Savings Bank's total assets?
As of the Q2 2026 filing, Montrose Savings Bank reported total assets of $63.2 million in its FFIEC call report.
Where is Montrose Savings Bank headquartered?
It is headquartered in Montrose, MO, United States.
When was Montrose Savings Bank founded?
It was established in 1895, per the FDIC institution directory.
Is Montrose Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8594). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Montrose Savings Bank?
Montrose Savings Bank's primary federal regulator is the FDIC.
How many branches does Montrose Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Montrose Savings Bank's Texas Ratio?
Its Texas Ratio is 0.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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