Montrose Savings Bank

401 Missouri Avenue
Montrose, MO 64770

Notable Rates APY Vs.Others
Savings 0.25% 2.20% →
1-Year CD 1.01% 2.20% →
2-Year CD 1.26% 2.20% →
5-Year CD 1.92% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Montrose Savings Bank is an FDIC insured institution located in Montrose, MO. It was founded in 1895 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 8594
Date Established 1895
Assets $0.04 billion
Loans $0.03 billion
Deposits $0.04 billion
Capital $0.01 billion

For a more detailed analysis of Montrose Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 17, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
3 Mo CD
0.50% $1,000 - Learn MoreShow Less
6 Mo CD
0.80% $1,000 - Learn MoreShow Less
12 Mo CD
1.01% $500 - Learn MoreShow Less
18 Mo CD
1.11% $500 - Learn MoreShow Less
24 Mo CD
1.26% $500 - Learn MoreShow Less
30 Mo CD
1.36% $500 - Learn MoreShow Less
36 Mo CD
1.66% $500 - Learn MoreShow Less
48 Mo CD
1.77% $500 - Learn MoreShow Less
60 Mo CD
1.92% $500 - Learn MoreShow Less

Fixed IRA
1.11% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 - Learn MoreShow Less

Loan Rates - February 17, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Montrose Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.378% 3.375% 0.00 $92 $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Montrose Savings Bank
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Financial Details

Montrose Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Montrose Savings Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Montrose Savings Bank U.S. Bank Average
4.34% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Montrose Savings Bank had $273,000 in non-current loans and $32,000 in owned real estate. To cover these potential losses it had $6,592,000 in equity and $438,000 in loans loss reserves. That gives it a Texas Ratio of 4.34%.

Return on Equity
Montrose Savings Bank U.S. Bank Average
12.38% 9.72%

Montrose Savings Bank has a Return on Equity of 12.38% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Montrose Savings Bank U.S. Bank Average
15.6% 12.89%

Montrose Savings Bank has a Capitalization of 15.6% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Montrose Savings Bank Balance Sheet Analysis

As of September 30, 2019, Montrose Savings Bank had assets of $42,251,000, loans of $28,601,000, and deposits of $35,574,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.04 billion
Total deposits $0.04 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 95.97%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.04 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Montrose Savings Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Montrose Savings Bank has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.92
Credit Card Loans 0.00
Consumer Auto Loans 4.05
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 8.12
Commercial and Industrial Loans 9.85
Farm Loans 23.16

Frequently Asked Questions About Montrose Savings Bank

Branches and Savings

Is Montrose Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8594.

Why does Montrose Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Montrose Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Montrose Savings Bank a commercial bank?


Where are Montrose Savings Bank locations?

See branch locations nearby.

Is Montrose Savings Bank open on Saturdays?

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Are Montrose Savings Bank ATMs Open 24/7?

Do Montrose Savings Bank ATMs accept cash deposits?

Can Montrose Savings Bank customers use other ATMs?

Do Montrose Savings Bank branches have notaries?

Will Montrose Savings Bank notarize my document?

What address for Montrose Savings Bank should I put for incoming ACH transfers?

Will the Montrose Savings Bank branch print checks?

Do Montrose Savings Bank checks expire?

Does Montrose Savings Bank require US citizenship to open account?

Can Montrose Savings Bank close my account?

Does Montrose Savings Bank Report to credit bureaus?

Does Montrose Savings Bank Use Equifax?

What is Montrose Savings Bank's ACH Routing Number?

What is Montrose Savings Bank's SWIFT code?


Does Montrose Savings Bank offer mortgages?

Compare mortgage rates here.

Does Montrose Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Montrose Savings Bank offer personal loans?

Compare personal loan rates here.

Does Montrose Savings Bank offer student loans?

Will Montrose Savings Bank cash a check?

Will Montrose Savings Bank redeem a savings bond?

Does Montrose Savings Bank cash savings bonds?

Will Montrose Savings Bank cash money orders?

Can Montrose Savings Bank issue a money order?

Does Montrose Savings Bank do currency exchange?

Background on The Bank

Who owns Montrose Savings Bank?

How long has Montrose Savings Bank been around?

Can Montrose Savings Bank transfer to other banks?

Does Montrose Savings Bank have quick pay?

Does Montrose Savings Bank accept rolled coins?

Will Montrose Savings Bank accept loose change?

Where is Montrose Savings Bank headquarters?

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