Montgomery Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Montgomery Bank earns an unusually wide margin on its lending. Its balance sheet stood at $1.2 billion at June 30, 2026; it is based in Sikeston, Missouri. It keeps 4.77 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also lost 0.9% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Net income for the quarter rose 16% from a year earlier, to $5.0 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.44% of loans from 0.32% a year earlier. Where it has less room is capital: it holds common equity equal to 11.35% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Montgomery Bank reported a CET1 capital ratio of 11.35%, a return on assets of 1.67%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 3.60%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1 Montgomery Bank Plaza St, Sikeston, MO 63801
- County
- Scott
- Metro Area
- Sikeston, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- Montgomery Bank, National Association (2004-2018); Montgomery First National Bank (1999-2004); The First National Bank of The Mid-South (1991-1999)
- Offices
- 12 domestic
- Employees (FTE)
- 212
- Domestic deposits
- $1.03B
- Allowance for credit losses
- $10.4M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $1.19B
- Average total loans
- $984.8M
- Average interest-bearing deposits
- $821.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8255
- Fed RSSD
- 613558
- Website
- www.montgomerybank.com →
- Parent Holding Company
- MONTGOMERY BANCORPORATION, INC. (RSSD 1119495)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Montgomery Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Montgomery Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Montgomery Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.35% | 1.67% | 0.44% | 3.60% | 4.77% |
| Q1 2026 | 11.53% | 1.61% | 0.33% | 2.63% | 4.54% |
| Q4 2025 | 10.81% | 1.54% | 0.34% | 2.91% | 4.82% |
| Q3 2025 | 10.51% | 1.57% | 0.28% | 2.41% | 4.70% |
| Q2 2025 | 10.56% | 1.47% | 0.32% | 2.75% | 4.57% |
| Q1 2025 | 10.62% | 1.42% | 0.39% | 3.40% | 4.38% |
| Q4 2024 | 10.30% | 1.14% | 0.31% | 2.85% | 4.25% |
| Q3 2024 | 10.29% | 1.17% | 0.33% | 3.22% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Montgomery Bank (main office) | Sikeston , MO | 63801 | $349.4M |
| Cape Girardeau - Broadway Branch | Cape Girardeau , MO | 63701 | $264.9M |
| Mid-South Branch | Webster Groves , MO | 63119 | $111.9M |
| Ellisville Branch | Ellisville , MO | 63011 | $47.6M |
| Valley Park Branch | Valley Park , MO | 63088 | $47.2M |
| Jackson Branch | Jackson , MO | 63755 | $44.8M |
| Chesterfield Branch | Chesterfield , MO | 63017 | $41.5M |
| Cape Girardeau - Mount Auburn Branch | Cape Girardeau , MO | 63703 | $39.2M |
| Union Branch | Saint Louis , MO | 63125 | $30.9M |
| Bridgeton Branch | Bridgeton , MO | 63044 | $22.4M |
| Des Peres Branch | Des Peres , MO | 63131 | $16.5M |
| Miner Branch | Sikeston , MO | 63801 | $9.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 17, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 2022 | Structure Change | Acquired Meramec Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 1990 | Structure Change | Acquired Colonial Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Montgomery Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 3, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in MO, rank 43 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 455 applications, 349 loans originated, $70.8M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $780K approved, $260K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Montgomery Bank
What are Montgomery Bank's total assets?
As of the Q2 2026 filing, Montgomery Bank reported total assets of $1.18 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Montgomery Bank headquartered?
Montgomery Bank is headquartered in Sikeston, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Montgomery Bank founded?
Montgomery Bank was established in 1934, per the FDIC institution directory.
Is Montgomery Bank FDIC-insured?
Yes. Montgomery Bank is an FDIC-insured commercial bank (FDIC Certificate #8255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Montgomery Bank?
Montgomery Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Montgomery Bank's CET1 capital ratio?
Montgomery Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.35% in its Q2 2026 call report, above regulatory requirements.
How many branches does Montgomery Bank operate?
Montgomery Bank operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Montgomery Bank's Texas Ratio?
Montgomery Bank's Texas Ratio is 3.60% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Montgomery Bank previously called?
The charter now named Montgomery Bank has also operated as Montgomery Bank, National Association (2004-2018), Montgomery First National Bank (1999-2004), The First National Bank of The Mid-South (1991-1999), per FDIC structure-change records.
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