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Overview / Commentary
401 Missouri Avenue
Montrose, MO 64770

Montrose Savings Bank is headquartered in Montrose and is the 280th largest bank in the state of Missouri. It is also the 6,063rd largest bank in the nation. It was established in 1895 and as of June of 2014, it had grown to 9 employees at 1 location. Montrose Savings Bank has a B+ health rating.

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Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Montrose Savings Bank has a low asset base.

Texas Ratio


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 June 30, 2014 Montrose Savings Bank had $313,000 in non-current loans and owned real-estate with $5.86 million in equity and loan loss allowances on hand to cover it. This gives Montrose Savings Bank a Texas Ratio of 5.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Montrose Savings Bank decreased dramatically from 16.18% as of June 30, 2013 to 5.34% as of June 30, 2014, resulting in a positive change of 66.99%.This indicates that the balance sheet and financial strength for Montrose Savings Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Montrose Savings Bank has increased its total deposits by $1.03 million, resulting in 2.77% 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 Montrose Savings Bank has shown is above average.



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. Montrose Savings Bank has $43.65 million in assets with $5.86 million in equity, resulting in a capitalization level of 13.42%, which is excellent.

Institution Statistics

FDIC Certificate #8594
Year Established1895
Primary RegulatorFDIC
Assets and Liabilities
Assets$43.65 million
Loans$23.17 million
Deposits$38.01 million
Equity Capital$5.57 million
Loan Loss Allowance$288,000
Unbacked Noncurrent Loans$141,000
Real Estate Owned$172,000
Historic Data - June 2013
Assets$42.24 million
Equity Capital$5.21 million
Loan Loss Allowance$260,000
Unbacked Noncurrent Loans$141,000
Real Estate Owned$214,000
Profit Margin - Quarterly
Return on Assets1.42%
Return on Equity11.22%
Interest Income$819,000

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Montrose Savings Bank Locations
Montrose Savings Bank401 Missouri AvenueMontrose, MO 64770