Institution Statistics
| Montgomery Bank, National Association | | FDIC Certificate # | 8255 | | BankRate Report | View | | Year Established | 1934 | | Employees | 216 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $883.02 million | | Loans | $718.72 million | | Deposits | $727.18 million | | Equity Capital | $74.26 million | | Loan Loss Allowance | $8.49 million | | Unbacked Noncurrent Loans | $15.48 million | | Real Estate Owned | $9.47 million |
Historic Data - September 2010 | | Assets | $903.50 million | | Equity Capital | $73.56 million | | Loan Loss Allowance | $7.78 million | | Unbacked Noncurrent Loans | $13.72 million | | Real Estate Owned | $12.25 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.93% | | Return on Assets | 0.47% | | Return on Equity | 5.77% | | Interest Income | $30.00 million |
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Institution Health
Overall Score:
2 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Montgomery Bank had $24.96 million in non-current loans and owned real-estate with $82.75 million in equity and loan loss allowances on hand to cover it. This gives Montgomery Bank a Texas Ratio of 30.16% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Montgomery Bank held steady from 31.86% as of September 30, 2010 to 30.16% as of September 30, 2011, resulting in a positive change of 5.35%.This indicates that the balance sheet and financial strength for Montgomery Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Montgomery Bank has decreased its total deposits by -$16.57 million, resulting in -2.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Montgomery Bank has shown is below average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Montgomery Bank has $883.02 million in assets with $82.75 million in equity, resulting in a capitalization level of 9.37%, which is average. |
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