Montezuma State Bank
Montezuma, IA · Cert 1860 · Peer group: banks under $1B in assets in IA (n=134-135) · Chief Iowa Investment Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
$54.6MAssets
$23.0MLoans
$46.2MDeposits
$8.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in IA (rank 133 of 134).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.75%
Rank 13 of 135
Net Interest Margin
3.71%
Rank 36 of 135
Efficiency Ratio
44.20%
Rank 18 of 135
Equity / Assets
14.75%
Rank 23 of 135
Non-interest income vs. expense
Unfavorable gap of $792K · efficiency ratio beats 87% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.75% | 0.92% | 1.19% | 1.47% | Beats 90% | 13 / 135 | | |
| Return on Equity | 11.85% | 7.99% | 10.26% | 13.14% | Beats 63% | 50 / 135 | | |
| Net Interest Margin | 3.71% | 2.95% | 3.41% | 3.73% | Beats 73% | 36 / 135 | | |
| Efficiency Ratio | 44.20% | 50.61% | 57.35% | 63.29% | Beats 87% | 18 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.94% | 0.03% | 0.51% | 1.26% | Beats 1% | 133 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 14.87% | 11.23% | 13.31% | 15.45% | Beats 67% | 44 / 135 | | |
| Total Risk-Based Capital Ratio | 14.87% | 11.61% | 14.06% | 16.47% | Beats 62% | 51 / 135 | | |
| Equity / Assets | 14.75% | 9.87% | 11.05% | 13.07% | Beats 83% | 23 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.91% | 68.54% | 81.55% | 91.24% | 6th pctl | 126 / 134 | | |
| Loans / Assets | 42.20% | 57.61% | 68.06% | 76.23% | 7th pctl | 125 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |