Montgomery Bank: how it compares with its peers
Against 45 MO banks with half to twice its assets, Montgomery Bank's strongest measure in Q2 2026 is net interest margin (4.68% vs. a 4.22% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $7.6M).
| Measure | Montgomery Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.63% | 1.62% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.68% | 4.22% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.30% | 54.02% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $7.6M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.89% | 90.89% | Context |
What it means for lending operations
Its efficiency ratio of 65.30% is above the 54.02% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Mid America Bank Jefferson City, MO · $1.18B
- Southwest Missouri Bank Carthage, MO · $1.21B
- Bank of Washington Washington, MO · $1.15B
- Wood & Huston Bank Marshall, MO · $1.23B
- St. Louis Bank Saint Louis, MO · $1.11B
- Triad Bank Frontenac, MO · $1.11B
Questions about Montgomery Bank
How big is Montgomery Bank?
Montgomery Bank, established in 1934, is headquartered in Sikeston, MO. It reported $1.18B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Montgomery Bank's return on assets?
1.63% annualized in Q2 2026, against a 1.62% median for 45 MO banks with half to twice its assets, ahead of 56% of them.
What is Montgomery Bank's efficiency ratio?
65.30% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 54.02%, and lower is better.
Is Montgomery Bank growing its loans?
Net loans grew 0.3% over the year to Q2 2026, while deposits shrank 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.