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Montezuma State Bank
Montezuma, IA · FDIC Certificate #1860 · Chartered 01/1
Total assets
$54.60M
Total deposits
$46.16M
Total equity
$8.05M
Net loans
$22.54M
Branches (offices)
1
Net income (YTD)
$477.00K
Rank: #4,010 of 4,213 U.S. banks by assets · #211 of 225 in Iowa. Assets changed 0.8% and deposits -0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.75% |
| Return on equity | 12.08% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 14.75% |
| Tier 1 leverage ratio | 14.87% |
| Uninsured deposits (share of deposits) | 22.3% |
| Noncurrent loans (share of loans) | 6.94% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 48.8% |
| Real estate loans (share of loans) | 50.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $11.48M | 50.9% | |
| Commercial & industrial | $3.82M | 16.9% | |
| Consumer / individual | $3.20M | 14.2% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $4.54M | 20.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $50.48M | $44.69M | $239.00K | $5.69M |
| Jun 2023 | $55.58M | $49.15M | $412.00K | $6.18M |
| Jun 2024 | $53.39M | $46.37M | $397.00K | $6.73M |
| Jun 2025 | $54.18M | $46.39M | $563.00K | $7.47M |
| Jun 2026 | $54.60M | $46.16M | $477.00K | $8.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $46.16M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $46.16M.
Similar-sized banks
The Pioneer Savings Bank ($54.68M) · Lakeside Bank Of Salina ($54.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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