# MONTGOMERY BANK
SIKESTON, MO · FDIC certificate 8255 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.18B | |
| Deposits | $1.03B | |
| Loans and leases | $994.1M | |
| Total equity | $132.3M | |
| Loans / deposits | 95.89% (p77 of band) | 87.10% |
| Liquid assets / assets | 8.77% (p4 of band) | |
| Uninsured deposits / deposits | 24.22% (p28 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.50% (p26 of band) | |
| FHLB advances / assets | 1.50% | |
| Tier 1 leverage | 9.69% (p28 of band) | 10.50% |
| Unrealized securities loss / equity | -0.29% (p94 of band) | -7.75% |
| AOCI / equity | -0.12% (p64 of band) | |
| ROA (annualized) | 1.63% (p76 of band) | 1.26% |
| Net interest margin | 4.68% (p91 of band) | 3.70% |
| Efficiency ratio | 65.30% (p69 of band) | |
| Noncurrent loans | 0.44% (p44 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 237.76% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 66.48% (p68 of band) | |
| Auto loans | $1.9M (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 212 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | liquid assets <10% |  |
| 2011-12 | 1 |  | liquid assets <10% |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | deposits shrinking | liquid assets <10% |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | deposits shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | loans exceed deposits |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | loans exceed deposits, charge-offs p90 |  |
| 2015-09 | 3 | liquid assets <10% |  |
| 2015-12 | 1 |  | charge-offs p90, liquid assets <10% |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | loans exceed deposits |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | loans exceed deposits, capital falling |  |
| 2018-12 | 1 |  | loans exceed deposits |
| 2019-03 | 1 | charge-offs p90 | capital falling |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | uninsured deposits leaving |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 3 | wholesale funding >15% |  |
| 2023-12 | 3 | deposits shrinking | capital falling |
| 2024-03 | 2 | assets shrinking | uninsured deposits leaving, wholesale funding >15% |
| 2024-06 | 3 | liquid assets <10% |  |
| 2024-09 | 2 |  | deposits shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | assets shrinking, liquid assets <10% |
| 2025-06 | 2 | liquid assets <10%, uninsured deposits leaving |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | uninsured deposits leaving |
| 2026-03 | 0 |  | liquid assets <10% |
| 2026-06 | 1 | liquid assets <10% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-11 [Montgomery Bank CD Rates - SmartAsset](https://news.google.com/rss/articles/CBMickFVX3lxTE1MSjJWRFVkc1RWb3VsMExJSU9IRmxlb2pDWTNFU0pzcFp0UHF6bE9PZjdHbWxwZTltOF84UFAwQW9nUG9hOTZQZHlia202Qk1BYVllay13TjBaYU51cEF4V2RUM3NWWjY4MVBIZGVUWlhIdw?oc=5) · SmartAsset
- 2022-04-06 [This Southeast Missouri bank is increasing its footprint in St. Louis County - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOMTRXbHJCUUVtUDBZMnkxYkFuQUIwaXZOdFRhcnpPcGNoYmVWN0pVOVppS3FvdGNIUXZjZ0Z5OFZjbnBnUDFNNFhMQXRkWC1ESElUOXdNU3FncUNXQTl4RUNkRXkzVzJFMEhidklkeFdmY2lXXy03Wmd5dUZSRTJ0Y0Vkc045RVpuOTRSTVc2Y2ZhMmhpa3UxS0paVEdZX2ZrQ3g1Rl9CRERwZw?oc=5) · The Business Journals
- 2019-01-09 [Limbaugh Appointed to Southeast Board of Regents - Southeast Missouri State University | SEMO](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNYlNEMjdQWmRURFh0VWU0S1M3UFloSUxjYld2YkhWX0NmcXVKeTlUdTk3QXhYTWFQcEF0cmZnUThVT3Y5aHBmWVZOSXJnVDdqaWhMYzdPQ0VKRkRRUjQxOGF4X3RNWjFPc1ZTMHg3eU9wWGVoNFhmYnN4NEFVZFdyLWt0RDdOX1RN?oc=5) · Southeast Missouri State University | SEMO
- 2010-02-17 [Montgomery Bank warns of phishing scam using bank's name - KFVS12](https://news.google.com/rss/articles/CBMimgFBVV95cUxPM2hadnV6TnNoU01GMDRaU3FTTUZyZllrZndBY3BSM1FlNVByLXJ3TWgxMnJpbXl5ekxUWFg4R0ozU3FXSEZ2N09qZTZwRWo1TVVVMHhnT2tQdVFXd21CYnNJc2pVOW8xWXJtdEZlOVM5QW8za0JpTGxhcDljbUFpcmtBbWFZTXEwb1Z0T1lNRlppV1ZZSGlIU1NB0gGsAUFVX3lxTE9IaHlfdmtMczFLaUFlM0Njc0kyVWgyVWNoR1M5SFgxcmpCWHAyaXpsWC16cXMyUTdYelNuVzZSS0kxWFltTDlDTXdvQklnVFk0RUhOSFVVM1BJbnpJRUNDQUxkNFhBRUtkNHZyZ0EtSmhjNVZqcmdpTTMxTWFHXzBXbDJiejVOMzQ2SzROaEVuaWlJVG0zeW04SVZFeklqOGl1X1VINkZXYmhaSzY?oc=5) · KFVS12
- 2025-12-05 [Montgomery Bank transitions with new board chairman, continuing Montgomery family leadership - seMissourian](https://news.google.com/rss/articles/CBMimgFBVV95cUxOMk9BX2VjOW5yaW5pLXdtT2NjZzFhV3VWX2Q0bmFEU2d6MHR6MUNTQk53WUJjZ0ZCRVE5ZHJoZWJQM3RaUTU5OVpZMjc2MUNEVk1kNDBkeE9ITVRNRlhPOVlIUW0xSElHcjNnVFc3UHRQOFR5cmlaeVg5eGw2dE5DNW93M2h4SkxiZ3paRHp6ekVsWVhkR2NlUGdR?oc=5) · seMissourian
- 2014-01-10 [Montgomery Moving Forward on Downtown Clayton Mixed-Use Tower - NextSTL](https://news.google.com/rss/articles/CBMilAFBVV95cUxOb3BDRUlNUzM1ZHE4N2Zsdjg0emFObG5WZ2NGUjJBNnRnUFJwSDJCM0E1dFFJbnl5czZnNmJUV2dhblJPRDhwUzlpZzJON1AxdW5BZDBHaTc2dy1YaWpKZlJsRjdieWdnUGlXNXZJM0M5MTZEazVCOTQxMDNmRzVJbWZIdGRXd3pOc0tuakN0dEpJbkhL?oc=5) · NextSTL
- 2017-02-03 [Joel Montgomery Obituary - Sikeston, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPQWxGWURZOVFRLWdGMnE2aDl6bndCVlhJS2RXbGlXQTZnWU9hTndVX2FscDNYbGVJS2FmXzhReHpRNTZ2WUtaNUtVR0ZNM3JTVWRVQkxib0FrVGdCVWxaaXpYMFNtT3dwTEZWOEY5YTRfSTN1LWRYa242dWdkNUxnbEtMVng?oc=5) · Dignity Memorial
- 2025-08-15 [SEMO Food Bank collects more than 700lbs. of tuna in Hooked on Ending Hunger food drive - KFVS12](https://news.google.com/rss/articles/CBMisgFBVV95cUxPcE93UmRJaXQ3RWRqRGtjMVE4MXY4dDlsSEhfM1lhVFZhcXhPRS02aUlhbUZMMGpDWEF0dVpXejF0c2lZYjlPUnVCNFU2RHZxTGNCUHNyLWZMV3RUdXJmZFN6S2ZQUXZLWlN0TVhlbUg1bFdINzZrcUdqbFdacjVPcjljMFZ2MGZaRHMwcnc0a3pPLXZubGNXMWNScFFhNGFGd3dLVmowMHgtenVNdUVGV3BB?oc=5) · KFVS12

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8255 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "8255", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide