Bank Comparison
Montezuma State Bank vs Ashton State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 7
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Montezuma State Bank | Ashton State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.34% | 14.54% |
| Equity / Assets | 13.88% | 11.47% |
Profitability
| Metric | Montezuma State Bank | Ashton State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.61% | 1.26% |
| Return on Equity (ROE) | 11.35% | 10.95% |
| Net Interest Margin (NIM) | 3.91% | 3.53% |
| Yield on Earning Assets | 4.98% | 5.35% |
| Cost of Funds | 1.18% | 2.00% |
Asset quality
| Metric | Montezuma State Bank | Ashton State Bank |
|---|---|---|
| Texas Ratio | 17.24% | 4.35% |
| Non-Performing Loan Ratio | 5.67% | 0.00% |
| Non-Performing Asset Ratio | 2.30% | 0.00% |
| Net Charge-Off Ratio | -0.02% | 0.00% |
| ACL / Loans | 2.20% | 1.17% |
Balance sheet
| Metric | Montezuma State Bank | Ashton State Bank |
|---|---|---|
| Total Assets | $55,824K | $55,018K |
| Total Deposits | $47,763K | $45,276K |
| Total Loans | $22,673K | $35,523K |
| Total Equity | $7,749K | $6,312K |
| Net Income (quarter) | $222 | $173 |
Liquidity & funding
| Metric | Montezuma State Bank | Ashton State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 47.47% | 78.46% |
| Core Deposit Ratio | 92.32% | 90.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Montezuma State Bank | Ashton State Bank |
|---|---|---|
| Headquarters City | MONTEZUMA | ASHTON |
| Headquarters State | IA | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 6 |
| Established | Jan. 10, 1891, midnight | March 1, 1884, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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