BlastPoint's Banking Scorecard
Montgomery Bank
Community
Specialty: Commercial
MO
FDIC cert 8255
Sikeston, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Montgomery Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10% in Community
- - Credit Quality Pressure: Bottom 20% in Community
- - Liquidity Strain: Bottom 35% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+3.1% YoY
-0.6% QoQ
|
-$191.7M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$1.0B
+4.1% YoY
+0.3% QoQ
|
+$36.7M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.0B
+3.2% YoY
-1.2% QoQ
|
-$128.5M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.48%
+34.3% YoY
+1.1% QoQ
|
+0.32% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
4.61%
+17.2% YoY
+1.7% QoQ
|
+0.94% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
66.68%
-6.7% YoY
-0.8% QoQ
|
+4.04% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.35%
+10.2% YoY
+24.1% QoQ
|
-0.28% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
97.69%
+0.9% YoY
+1.5% QoQ
|
+14.63% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
22.75%
+0.8% YoY
-1.7% QoQ
|
+1.71% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.30%
+7.3% YoY
+24.4% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
10.81%
+5.0% YoY
+2.9% QoQ
|
+0.57% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.61%
-13.1% YoY
+31.9% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#65 of 642 · Bottom 10% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#159 of 808 · Bottom 20% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.35%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Strain
risk
#178 of 513 · Bottom 35% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.69%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.66%
82
82th pctile
Loan-to-Deposit Ratio
Current: 97.69% · Tier avg: 83.06%
73
73th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.16%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.75% · Tier avg: 21.05%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
36
36th pctile
Efficiency Ratio
Current: 66.68% · Tier avg: 62.63%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.81% · Tier avg: 10.24%
Top Weaknesses
35
35th pctile
Tier 1 Capital Ratio
Current: 10.81% · Tier avg: 10.24%
36
36th pctile
Efficiency Ratio
Current: 66.68% · Tier avg: 62.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.75% · Tier avg: 21.05%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
73
73th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.16%
82
82th pctile
Loan-to-Deposit Ratio
Current: 97.69% · Tier avg: 83.06%
89
89th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.66%