Montrose Savings Bank

401 Missouri Avenue
Montrose, MO 64770

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8594
Date Established 1895
Assets $0.04 billion
Loans $0.02 billion
Deposits $0.04 billion
Capital $0.01 billion

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.

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.

Bank Loan Profile?

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

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.20
Multifamily
Mortgages
0.95
Credit Card Loans 0.00
Consumer Auto Loans 3.01
Small Business Loans 9.37
Construction and Development Loans 0.36
Commercial Real Estate 9.37
Commercial and Industrial Loans 8.87
Farm Loans 19.69

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.20% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.30% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.25% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.50% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Montrose Savings Bank
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Branches

Montrose Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Montrose Savings Bank Locations

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 BestCashCow.com 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
7.01% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Montrose Savings Bank had $428,000 in non-current loans and $47,000 in owned real estate. To cover these potential losses it had $6,389,000 in equity and $390,000 in loans loss reserves. That gives it a Texas Ratio of 7.01%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Montrose Savings Bank U.S. Bank Average
8.72% 8.58

Montrose Savings Bank has a Return on Equity of 8.72% versus the BestCashCow average of 8.58. 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.

Capitalization
Montrose Savings Bank U.S. Bank Average
14.63% 12.11

Montrose Savings Bank has a Capitalization of 14.63% versus the BestCashCow average of 12.11. 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 June 30, 2017, Montrose Savings Bank had assets of $43,682,000, loans of $24,886,000, and deposits of $37,255,000. 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.

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?

Yes

Where are Montrose Savings Bank locations?

See branch locations nearby.

Is Montrose Savings Bank open on Saturdays?

Is Montrose Savings Bank open on Sundays?

What time does Montrose Savings Bank open?

What time does Montrose Savings Bank close?

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?

Products

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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