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800-455-2275
One Montgomery Bank Plaza
Sikeston, MO 63801

Montgomery Bank is headquartered in Sikeston and is the 29th largest bank in the state of Missouri. It is also the 776th largest bank in the nation. It was established in 1934 and as of March of 2014, it had grown to 203 employees at 11 locations. Montgomery Bank has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Montgomery Bank had $14.08 million in non-current loans and owned real-estate with $85.6 million in equity and loan loss allowances on hand to cover it. This gives Montgomery Bank a Texas Ratio of 16.45% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Montgomery Bank decreased slightly from 18.73% as of March 31, 2013 to 16.45% as of March 31, 2014, resulting in a positive change of 12.20%.This indicates that the balance sheet and financial strength for Montgomery Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Montgomery Bank has decreased its total deposits by -$41.07 million, resulting in -5.59% 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

GRADE:
B

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 $871.32 million in assets with $85.6 million in equity, resulting in a capitalization level of 9.82%, which is above average.

Institution Statistics

Overall
FDIC Certificate #8255
Year Established1934
Employees203
Primary RegulatorOCC
Assets and Liabilities
Assets$871.32 million
Loans$710.29 million
Deposits$693.25 million
Equity Capital$76.43 million
Loan Loss Allowance$9.16 million
Unbacked Noncurrent Loans$5.51 million
Real Estate Owned$8.57 million
Historic Data - March 2013
Assets$896.82 million
Equity Capital$74.36 million
Loan Loss Allowance$9.01 million
Unbacked Noncurrent Loans$5.51 million
Real Estate Owned$7.03 million
Profit Margin - Quarterly
Net Interest Margin3.72%
Return on Assets0.9%
Return on Equity10.47%
Interest Income$8.28 million
Rates

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Locations

Montgomery Bank has 11 locations. Click to view all Montgomery Bank locations.