Applications / Mortgage Analytics / Lenders / Missouri / Montgomery Bank
Sikeston, MO · State member bank · FRS · $1.2 billion assets · 349 loans in 2025
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349
loans originated, 2025
455
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Montgomery Bank is a Missouri bank of small loans, and it ranks 8 of 157 lenders in Cape Girardeau.
Its typical loan, $95,000, was smaller than at nearly all similar lenders (state member banks making between half and twice as many loans), where it was $195,000. No single purpose dominates. Purchases made up 34.1% of its loans, refinances 33.8% and home improvement 21.5%.
Its share there fell to 3.8% from 4.3%, behind First State Community Bank, DAS Acquisition Company and First Missouri State Bank of Cape County. Rivals' growth could explain it. So could its own smaller loans: its typical loan fell to $95,000 from $125,000, which lowers a share counted in dollars.
Low- and moderate-income (LMI) borrowers took 39.1% of its loans, against 27.7% at similar lenders, higher than at nearly nine in ten of them. Small loans and home-improvement lending may reach borrowers of more modest means.
Its loans rose 2%, to 349 from 341, while similar lenders grew 7%. It made 511 loans in 2021. Filings of Meramec Valley Bank, which it merged with in 2022, count in its market figures.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Montgomery Bank took 455 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.1% · Refinance 33.8% · Home improvement 21.5% · Other 10.6%
Conventional 100.0% · of 349 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 331 | 94.8% |
| Illinois | 6 | 1.7% |
| Florida | 4 | 1.1% |
| Kentucky | 2 | 0.6% |
| South Carolina | 2 | 0.6% |
| Arkansas | 1 | 0.3% |
| Colorado | 1 | 0.3% |
| Mississippi | 1 | 0.3% |
| Texas | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 142 |
| Cape Girardeau | 107 |
| West Palm Beach-Boca Raton-Delray Beach | 3 |
| Charleston-North Charleston | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Gulfport-Biloxi | 1 |
| Jefferson City | 1 |
| Louisville/Jefferson County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RWMKY0FK1H5L44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 613558 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115302 | 1999–2017 |
Established 1 January 1934. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Montgomery Bank's data.
Montgomery Bank's data
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