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Montezuma State Bank

under $100M Specialty: Agricultural IA FDIC cert 1860

Designations: ✓ Community bank

Montezuma, IA

541 banks in the under $100M peer group nationally 33 in IA
View under $100M leaderboard (IA) →

Montezuma State Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 42.13% below tier average
  • + ROA 0.79% above tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 4.80% above tier average
  • - Nonperforming Asset Ratio 1.66% above tier average
Get updates when Montezuma State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $55.8M
+3.6% YoY +4.4% QoQ
-$6.3M $62.2M
-0.6% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
39%
Total Loans ? $22.2M
-1.9% YoY -4.8% QoQ
-$12.1M $34.2M
-1.4% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
32%
Total Deposits ? $47.8M
+3.1% YoY +5.6% QoQ
-$4.0M $51.7M
-0.7% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
40%
Return on Assets ? 1.63%
-37.1% YoY -14.2% QoQ
+0.79% 0.84%
-2.3% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
82%
Net Interest Margin ? 3.88%
+8.7% YoY +2.4% QoQ
+0.02% 3.86%
+2.8% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
54%
Efficiency Ratio ? 46.21%
+28.0% YoY +6.4% QoQ
-42.13% 88.34%
+0.3% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
Top 5.7% in tier
Delinquency Rate ? 6.17%
+90.4% YoY +12.1% QoQ
+4.80% 1.37%
+33.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
Bottom 4.2% in tier
Loan-to-Deposit Ratio ? 46.43%
-4.8% YoY -9.9% QoQ
-17.79% 64.22%
-0.7% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
74%
Non-Interest-Bearing Deposit Share ? 22.79%
+24.1% YoY -0.3% QoQ
-0.93% 23.71%
+0.3% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
48%
Nonperforming Asset Ratio ? 2.45%
+80.4% YoY +2.2% QoQ
+1.66% 0.79%
+28.2% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
Bottom 7.8% in tier
Tier 1 Capital Ratio ? 14.34%
+3.2% YoY -0.9% QoQ
-12.35% 26.68%
+2.0% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.08%
-82.4% YoY -89.2% QoQ
-0.58% 0.67%
+1.9% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
63%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

32
Efficiency Ratio
profitability
Value: 46.21%
Peer Median: 88.34%
#32 of 541 Top 5.7% in under $100M
101
Return on Assets
profitability
Value: 1.63%
Peer Median: 0.84%
#101 of 541 Top 18.5% in under $100M

Top Weaknesses (2 metrics)

500
Delinquency Rate
credit_quality
Value: 6.17%
Peer Median: 1.37%
#500 of 521 Bottom 4.2% in under $100M
500
Nonperforming Asset Ratio
credit_quality
Value: 2.45%
Peer Median: 0.79%
#500 of 541 Bottom 7.8% in under $100M
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