BlastPoint's Banking Scorecard
Montrose Savings Bank
Micro
Specialty: Agricultural
MO
FDIC cert 8594
Designations: ✓ Community bank
Montrose, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Montrose Savings Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.33% above tier
- + Efficiency Ratio 24.80% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.4M
+4.7% YoY
-5.4% QoQ
|
-$160.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$32.9M
+9.7% YoY
+0.2% QoQ
|
-$106.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$48.0M
+5.1% YoY
-7.3% QoQ
|
-$135.7M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
2.41%
+22.9% YoY
+0.3% QoQ
|
+1.33% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.38%
+13.3% YoY
+2.2% QoQ
|
+0.53% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
42.93%
-9.8% YoY
+2.9% QoQ
|
-24.80% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.14%
-4.8% YoY
+4.2% QoQ
|
-0.50% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
68.53%
+4.4% YoY
+8.1% QoQ
|
-6.00% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
21.01%
+1.9% YoY
-1.4% QoQ
|
-1.38% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.08%
-0.2% YoY
+10.4% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
-1.7% YoY
+39.6% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.41%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.93%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
97
97th pctile
Efficiency Ratio
Current: 42.93% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.41% · Tier avg: 1.08%
75
75th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.85%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.53% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.01% · Tier avg: 22.39%
12
12th pctile
Total Loans
Current: $32.9M · Tier avg: $139.2M
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
10
10th pctile
Total Deposits
Current: $48.0M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $57.4M · Tier avg: $217.5M
Top Weaknesses
9
9th pctile
Total Assets
Current: $57.4M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $48.0M · Tier avg: $183.7M
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
12
12th pctile
Total Loans
Current: $32.9M · Tier avg: $139.2M
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.01% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.53% · Tier avg: 74.53%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
75
75th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.85%
96
96th pctile
Return on Assets
Current: 2.41% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.93% · Tier avg: 67.73%