BlastPoint's Banking Scorecard
Montrose Savings Bank
Designations: ✓ Community bank
Montrose, MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits +10.4% year over year ($53.7M on the books).
- Delinquency rate 0.13%.
- Return on assets 2.86%.
- Efficiency ratio 34.68% vs a 119.40% peer average.
- Loan-to-deposit ratio 60.43% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Montrose Savings Bank shows strong momentum with 4 strengths and 10.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.86% above tier average
- + Efficiency Ratio 84.72% below tier average
- + Net Interest Margin 0.58% above tier average
- + Delinquency Rate 1.35% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.2M
+10.6% YoY
+2.6% QoQ
|
+$758K |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$32.4M
+3.4% YoY
-0.7% QoQ
|
-$2.5M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
49% |
| Total Deposits ? |
$53.7M
+10.4% YoY
+2.5% QoQ
|
+$2.0M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
2.86%
+26.4% YoY
+8.3% QoQ
|
+1.86% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Top 3.7% in tier |
| Net Interest Margin ? |
4.49%
+6.2% YoY
+0.4% QoQ
|
+0.58% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
34.68%
-21.7% YoY
-7.4% QoQ
|
-84.72% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Top 1.7% in tier |
| Delinquency Rate ? |
0.13%
-9.7% YoY
-24.4% QoQ
|
-1.35% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
60.43%
-6.3% YoY
-3.2% QoQ
|
-13.78% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
20.58%
-3.4% YoY
-6.2% QoQ
|
-2.91% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.07%
-15.6% YoY
-26.9% QoQ
|
-0.77% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
14.53%
+0.8% YoY
-0.9% QoQ
|
-12.60% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.11%
+80.8% YoY
+210.1% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
45% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.6%
-0.7pp YoY -1.4pp QoQ |
-4.1pp | 24.6% | 20.9% | 22.2% | 39% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
-1.6pp YoY -0.2pp QoQ |
-7.2pp | 13.4% | 12.3% | 12.5% | 29% |
| CRE |
14.6%
-1.8pp YoY +0.8pp QoQ |
-10.7pp | 25.2% | 36.8% | 41.4% | 29% |
| 1-4 Family |
33.0%
+0.7pp YoY -0.1pp QoQ |
-1.9pp | 35.0% | 31.9% | 31.3% | 53% |
| Consumer |
4.9%
-1.1pp YoY -1.4pp QoQ |
-2.8pp | 7.7% | 4.1% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
14.5%
+0.1pp YoY -0.1pp QoQ |
-3.2pp | 17.7% | 11.6% | 12.6% | 66% |
| Total Capital Ratio | n/a | n/a | 39.7% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 162 | 482 | 20% |
| Assets per Employee ($) |
$9.0M
+10.6% YoY +2.6% QoQ |
+$2.8M | $6.2M | $8.0M | $8.8M | 88% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.3% | 0.4% | 27% |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 0.8% | 1.0% | 3% |
| Allowance Coverage |
12.83x
+6.7% YoY +34.8% QoQ |
+6.42x | 6.41x | 10.47x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
0.0pp | 0.2% | 0.3% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.1%
+3.6pp YoY +1.7pp QoQ |
+12.7pp | 6.4% | 14.3% | 11.6% | 92% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.8% | 1.7% | 38% |
| Net Income ($, YTD) |
$867,000
+36.3% YoY — QoQ |
+$549K | $317,817 | $11.3M | $40.4M | 93% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.