TellerScore

Montrose Savings Bank (FDIC certificate #8594) is based in Montrose, Missouri. Its Q2 2026 call report shows $63.2M in total assets and $53.7M in deposits and 1 office.

Based on its Q2 2026 filing, Montrose Savings Bank scores 97/100, which we describe as very strong. That is higher than 98% of 546 banks with under $100 million in assets. Among 194 banks headquartered in Missouri, it ranks 2nd. Its five components are fairly even, ranging from 95 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Tier 1 leverage ratio: 14.53%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings100/100
Return on assets (annualized): 2.86%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 60.4% · 4.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.43%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (96 → 97).

TellerScore
969899Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202498
Q3 202499
Q4 202497
Q1 202597
Q2 202596
Q3 202597
Q4 202597
Q1 202697
Q2 202697
Tier 1 leverage ratio
5.00%9.97%14.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.52%
Q3 202414.87%
Q4 202414.85%
Q1 202514.62%
Q2 202514.41%
Q3 202514.42%
Q4 202514.94%
Q1 202614.65%
Q2 202614.53%
Noncurrent loans
0.02%0.10%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.02%
Q4 20240.15%
Q1 20250.16%
Q2 20250.14%
Q3 20250.13%
Q4 20250.14%
Q1 20260.17%
Q2 20260.13%
Return on assets
1.96%2.41%2.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.98%
Q3 20242.05%
Q4 20241.96%
Q1 20252.13%
Q2 20252.26%
Q3 20252.40%
Q4 20252.41%
Q1 20262.64%
Q2 20262.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$63.2M14.53%0.13%2.86%60.4%
Q1 202697$61.6M14.65%0.17%2.64%62.4%
Q4 202597$57.4M14.94%0.14%2.41%68.5%
Q3 202597$60.6M14.42%0.13%2.40%63.4%
Q2 202596$57.1M14.41%0.14%2.26%64.5%
Q1 202597$56.9M14.62%0.16%2.13%61.9%
Q4 202497$54.8M14.85%0.15%1.96%65.6%
Q3 202499$55.4M14.87%0.02%2.05%60.9%
Q2 202498$55.9M14.52%0.02%1.98%59.0%

546 peers · Under $100 million in assets

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 ratio14.53%
66th
Total risk-based capital0.00%
27th
Problem loans0.13%
60th
Net charge-offs0.12%
16th
Return on assets2.86%
96th
Net interest margin4.49%
75th
Efficiency ratio34.7%
98th
Loans to deposits60.4%
59th
Uninsured deposits4.9%
91st
Loan-loss reserves1.63%
75th
Texas ratio0.4%
63rd

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Community Bank of MemphisBank Memphis, MO85 out of 100, Very strong$63.7M12.4%0.00%vs
America's Community BankBank Blue Springs, MO57 out of 100, Moderate$64.1M8.7%1.32%vs
First Security BankBank Union Star, MO65 out of 100, Moderate$61.9M8.0%0.43%vs
The Bank of HoustonBank Houston, MO82 out of 100, Strong$67.4M14.1%0.16%vs
Bank of IberiaBank Iberia, MO68 out of 100, Moderate$73.9M9.1%0.48%vs
FMB BankBank Wright City, MO61 out of 100, Moderate$51.2M7.5%0.01%vs

Deposit insurance

Is my money safe at Montrose Savings Bank?

Yes. Montrose Savings Bank is an FDIC-insured institution (FDIC certificate #8594). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 4.9% of deposits ($2.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Montrose Savings Bank lists 1 office in 1 city. Most locations:

  • Montrose, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Montrose Savings Bank
Type
State-chartered bank
FDIC certificate #
8594
RSSD ID
753052
Primary regulator
FDIC
Holding company
Montrose Svg Bancshares Inc
Established
January 1, 1895
Headquarters
401 Missouri Ave, Montrose, MO 64770
Employees
7

Quick answers

Montrose Savings Bank: common questions

Is Montrose Savings Bank FDIC insured?

Yes. Montrose Savings Bank is an FDIC-insured institution (FDIC certificate #8594). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Montrose Savings Bank's TellerScore?

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

Has Montrose Savings Bank ever failed?

There is no failure record for FDIC certificate #8594 in the FDIC failed bank list.

How many branches does Montrose Savings Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Montrose

InstitutionScoreAssetsCapitalProblem loansCompare
St. Clair County State BankBank Osceola, MO87 out of 100, Very strong$231.8M13.5%0.24%vs
Adrian BankBank Adrian, MO85 out of 100, Very strong$195.6M12.6%0.52%vs
Hawthorn BankBank Jefferson City, MO75 out of 100, Strong$1.8B11.3%0.47%vs
Citizens BankBank Butler, MO70 out of 100, Strong$188.1M7.7%0.20%vs
Oakstar BankBank Springfield, MO69 out of 100, Moderate$3.3B9.8%0.48%vs
Community First BankBank Butler, MO67 out of 100, Moderate$258.9M8.6%0.95%vs