Montgomery Bank (FDIC #8255): Bank Stress & Real-Estate Credit Exposure
Montgomery Bank (FDIC Cert #8255): bank stress 54/100, moderate, STABLE over 7 days; parent MONTGOMERY BCORP INC.
Montgomery Bank (#8255) lends in 3 counties across 1 state; Montgomery Bank (#8255) reaches 77 ZIP codes: Missouri 3 counties, 77 ZIPs.
Montgomery Bank (#8255) largest markets: St. Louis County, MO (329 branches, 47 ZIPs) (#8255), Cape Girardeau County, MO (57 branches, 19 ZIPs) (#8255), Scott County, MO (28 branches, 14 ZIPs) (#8255).
Montgomery Bank (#8255) reports $1.18 billion in total assets; Montgomery Bank (#8255) equity $132.3 million (11.2% of Montgomery Bank (#8255) assets); Montgomery Bank (#8255) domestic deposits $1.03 billion; Montgomery Bank (#8255) net income $9.8 million; Montgomery Bank (#8255) return on assets 1.63%; Montgomery Bank (#8255) return on equity 14.90%; Montgomery Bank (#8255) net interest income $25.6 million; Montgomery Bank (#8255) call report June 30, 2026.
Montgomery Bank (#8255) noncurrent real-estate loans 0.01% of its book; Montgomery Bank (#8255) net charge-offs on real estate 0.53%; Montgomery Bank (#8255) residential charge-offs 0.38%.
Montgomery Bank (#8255) net interest margin 4.68% against an eight-quarter Montgomery Bank (#8255) average of 4.37% (Montgomery Bank (#8255) compression -0.32 points); Montgomery Bank (#8255) real-estate loans 0.6% of equity; Montgomery Bank (#8255) non-residential real estate 37.7% of equity; Montgomery Bank (#8255) rate-exposure score 40/100, Montgomery Bank (#8255) fixed-rate trap 40/100; Montgomery Bank (#8255) risk type credit driven; Montgomery Bank (#8255) rate regime rates elevated, Montgomery Bank (#8255) snapshot October 19, 2026.
Montgomery Bank (#8255) stress score moved from 54.1 on June 22, 2026 to 53.8 on October 19, 2026; Montgomery Bank (#8255) ranged 53.8 to 54.1 over 116 snapshots.
Montgomery Bank (#8255) alerts: 3 counties; top Montgomery Bank (#8255) alert scores: Jackson County, MO 33 (low); Sikeston County, MO 19 (low); Valley Park County, MO 19 (low).