Montrose Savings Bank: how it compares with its peers
Against 31 MO banks with half to twice its assets, Montrose Savings Bank's strongest measure in Q2 2026 is return on assets (2.86% vs. a 1.07% peer median). Its weakest relative measure is net interest margin (4.49% vs. 3.80%).
| Measure | Montrose Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.86% | 1.07% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.49% | 3.80% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 34.68% | 65.26% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $6.5M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.43% | 72.64% | Context |
What it means for lending operations
Its efficiency ratio of 34.68% is better than the 65.26% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Community Bank of Memphis Memphis, MO · $64M
- America's Community Bank Blue Springs, MO · $64M
- First Security Bank Union Star, MO · $62M
- The Bank of Houston Houston, MO · $67M
- Bank of Iberia Iberia, MO · $74M
- FMB Bank Wright City, MO · $51M
Questions about Montrose Savings Bank
How big is Montrose Savings Bank?
Montrose Savings Bank, established in 1895, is headquartered in Montrose, MO. It reported $63M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Montrose Savings Bank's return on assets?
2.86% annualized in Q2 2026, against a 1.07% median for 31 MO banks with half to twice its assets, ahead of 100% of them.
What is Montrose Savings Bank's efficiency ratio?
34.68% in Q2 2026: it spent about 35 cents in noninterest expense for each dollar of revenue. The peer median is 65.26%, and lower is better.
Is Montrose Savings Bank growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits grew 10.4%.
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.