Montrose Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Montrose Savings Bank of Montrose, MO against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 2.98% | 3.13% | -0.15% | 91st top |
| ROAE | 20.77% | 10.40% | +10.37% | 92nd top |
| Net Interest Margin | 4.77% | 3.93% | +0.84% | 82nd top |
| Efficiency Ratio | 30.56% | 76.38% | -45.82% | 98th top |
| PPNR / Avg Assets | 3.09% | 1.40% | +1.69% | 94th top |
| Yield on Earning Assets | 6.00% | 5.35% | +0.65% | 76th top |
| Cost of Funds | 1.38% | 1.71% | -0.33% | 58th above |
| Net Interest Spread | 4.24% | 3.31% | +0.93% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 1.34% | -1.31% | 64th above |
| NPA / Total Assets | 0.02% | 0.71% | -0.69% | 60th above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.63% | 1.49% | +0.14% | 74th above |
| ACL / NPLs (Coverage) | 4900.00% | 853.67% | +4046.33% | — |
| Texas Ratio | 0.43% | 8.26% | -7.83% | 62nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 60.00% | 315.47% | -255.47% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.53% | 17.61% | -3.08% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.68% | 16.43% | -1.75% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.68% | 16.18% | -1.50% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.44% | 72.85% | -11.41% | 59th above |
| Core Deposit Ratio | 96.61% | 88.20% | +8.41% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.61% | 4.29% | +6.32% | 85th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.33% | 6.73% | -3.40% | 53rd above |
| Deposit Growth (Y/Y) | 10.41% | 3.76% | +6.65% | 85th top |
See Montrose Savings Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Montrose Savings 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 Montrose Savings Bank profile, how to read a UBPR, or how this data updates.