MONTEZUMA STATE BANK

MONTEZUMA, IA | Micro | Est. Jan. 10, 1891, midnight | FDIC #1860 | RSSD #700140 | FDIC
Latest Report: 2025-12-31

MONTEZUMA STATE BANK is amn micro FDIC-insured commercial bank headquartered in MONTEZUMA, IA, established in Jan. 10, 1891, midnight. As of 2025-12-31, the bank reported total assets of $53M and total deposits of $45M. Profitability stands at 2.02% ROA and 13.84% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 13.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.39% and a Texas Ratio of 15.30%. FDIC Certificate #1860.

Assets

$53M

Deposits

$45M

Loans

$24M

Equity

$8M

Profitability

Return on Assets (ROA) 2.02%
Return on Equity (ROE) 13.84%
Net Interest Margin (NIM) 4.47%
Yield on Assets 5.75%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 5.39%
Net Charge-Off Ratio 0.12%
Texas Ratio 15.30%
NPA Ratio 2.40%
ACL / Loans 2.05%

Capital & Liquidity

CET1 Ratio 13.79%
Tier 1 Capital 13.79%
Total Capital Ratio 14.48%
Leverage Ratio 14.47%
Loan-to-Deposit 52.60%

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