TellerScore

Montgomery Bank is a state-chartered bank (fed member) headquartered in Sikeston, Missouri, in business for about 92 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.0B in deposits, with 12 offices.

Based on its Q2 2026 filing, Montgomery Bank scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 102nd. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is capital cushion (47/100; 9.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.69%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.44%
Earnings85/100
Return on assets (annualized): 1.63%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 95.9% · 24.2% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (68 → 70), mostly because the earnings component improved by 8 points.

TellerScore
606672Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202460
Q4 202464
Q1 202567
Q2 202568
Q3 202569
Q4 202569
Q1 202672
Q2 202670
Tier 1 leverage ratio
5.00%7.35%9.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.52%
Q3 20248.67%
Q4 20248.91%
Q1 20259.15%
Q2 20259.18%
Q3 20259.30%
Q4 20259.49%
Q1 20269.64%
Q2 20269.69%
Noncurrent loans
0.13%0.29%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.33%
Q4 20240.31%
Q1 20250.39%
Q2 20250.32%
Q3 20250.28%
Q4 20250.34%
Q1 20260.33%
Q2 20260.44%
Return on assets
1.07%1.35%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.10%
Q4 20241.10%
Q1 20251.39%
Q2 20251.43%
Q3 20251.46%
Q4 20251.48%
Q1 20261.60%
Q2 20261.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.2B9.69%0.44%1.63%95.9%
Q1 202672$1.2B9.64%0.33%1.60%89.7%
Q4 202569$1.2B9.49%0.34%1.48%97.7%
Q3 202569$1.2B9.30%0.28%1.46%96.2%
Q2 202568$1.2B9.18%0.32%1.43%94.7%
Q1 202567$1.2B9.15%0.39%1.39%91.4%
Q4 202464$1.2B8.91%0.31%1.10%96.8%
Q3 202460$1.2B8.67%0.33%1.10%95.6%
Q2 202463$1.2B8.52%0.13%1.07%95.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.69%
28th
Total risk-based capital12.40%
36th
Problem loans0.44%
56th
Net charge-offs0.01%
71st
Return on assets1.63%
76th
Net interest margin4.68%
91st
Efficiency ratio65.3%
31st
Loans to deposits95.9%
23rd
Uninsured deposits24.2%
72nd
Loan-loss reserves1.05%
37th
Texas ratio3.1%
55th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Mid America BankBank Jefferson City, MO70 out of 100, Strong$1.2B10.8%0.89%vs
Southwest Missouri BankBank Carthage, MO68 out of 100, Moderate$1.2B8.7%0.25%vs
Bank of WashingtonBank Washington, MO44 out of 100, Below average$1.1B12.5%3.50%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
St. Louis BankBank Saint Louis, MO38 out of 100, Low$1.1B8.8%2.87%vs
Triad BankBank Frontenac, MO68 out of 100, Moderate$1.1B10.7%0.21%vs

Deposit insurance

Is my money safe at Montgomery Bank?

Yes. Montgomery Bank is an FDIC-insured institution (FDIC certificate #8255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.2% of deposits ($248.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.69%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.40% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Montgomery Bank lists 12 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Montgomery Bank reported 452 home-loan applications under HMDA (LEI 549300RWMKY0FK1H5L44): 349 originated ($70,785,000 total), 55 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Montgomery Bank
Former names
The First National Bank of The Mid-South; Montgomery Bank, National Association; The First National Bank of Sikeston; Montgomery First National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
8255
RSSD ID
613558
Primary regulator
FED
Holding company
Montgomery Bcorp Inc
Established
January 1, 1934
Headquarters
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Employees
212

Quick answers

Montgomery Bank: common questions

Is Montgomery Bank FDIC insured?

Yes. Montgomery Bank is an FDIC-insured institution (FDIC certificate #8255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Montgomery Bank's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Montgomery Bank ever failed?

There is no failure record for FDIC certificate #8255 in the FDIC failed bank list.

How many branches does Montgomery Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sikeston

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of New MadridBank New Madrid, MO92 out of 100, Very strong$116.6M14.1%0.04%vs
Citizens' Bank of CharlestonBank Charleston, MO86 out of 100, Very strong$185.1M20.5%0.83%vs
Alliance BankBank Cape Girardeau, MO84 out of 100, Strong$391.3M13.6%0.26%vs
St. Augustine Credit UnionCredit union Kelso, MO83 out of 100, Strong$1.5M14.4%0.00%vs
The Bank of AdvanceBank Advance, MO81 out of 100, Strong$509.9M13.0%0.75%vs
Sikeston Public Schools Credit UnionCredit union Sikeston, MO79 out of 100, Strong$5.5M18.9%1.89%vs