Montrose Savings 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 458.33 percentage points higher than in Q1 2026, at 4900.00%. On return on assets, Montrose Savings Bank ranks 7th highest among the 192 banks headquartered in Missouri, at 2.98% (Q2 2026). Montrose Savings Bank's return on assets of 2.98% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 2.00 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.53% |
| Equity capital to assets | 14.68% |
| Tangible equity to tangible assets | 14.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.43% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | 4900.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.98% |
| Return on equity | 20.77% |
| Net interest margin | 4.77% |
| Efficiency ratio | 30.56% |
| Yield on earning assets | 6.00% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.44% |
| Core deposits to total deposits | 96.61% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.93% |
| Securities to assets | 34.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.27% | 2.00% | 3.68% | 0.00% | 0.03% |
| Q4 2023 | 14.20% | 1.50% | 3.73% | 0.00% | -0.01% |
| Q1 2024 | 14.29% | 1.82% | 3.81% | 0.00% | -0.01% |
| Q2 2024 | 14.52% | 2.02% | 3.97% | 0.00% | -0.01% |
| Q3 2024 | 14.87% | 2.14% | 4.09% | 0.00% | -0.03% |
| Q4 2024 | 14.85% | 1.64% | 4.13% | 0.12% | 0.00% |
| Q1 2025 | 14.62% | 2.07% | 4.24% | 0.09% | 0.00% |
| Q2 2025 | 14.41% | 2.30% | 4.56% | 0.09% | 0.05% |
| Q3 2025 | 14.42% | 2.67% | 4.74% | 0.09% | 0.00% |
| Q4 2025 | 14.94% | 2.33% | 4.85% | 0.10% | 0.00% |
| Q1 2026 | 14.65% | 2.54% | 4.69% | 0.04% | 0.26% |
| Q2 2026 | 14.53% | 2.98% | 4.77% | 0.03% | 0.00% |
Montrose Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Montrose Savings 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 Montrose Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8594) · FFIEC NIC profile (RSSD 753052)