Montezuma State Bank
Montezuma State Bank is a small community bank chartered in 1891, based in Montezuma, IA. As of Q1 2026, the bank held approximately $56M in total assets and $48M in deposits. The bank posts a strong 1.61% ROA and 11.35% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 14.34% exceeds the 9% CBLR threshold. Credit metrics show stress — 5.67% NPLs and a 17.24% Texas Ratio above the 100% historical failure threshold. The bank operates from a single office.
Headquarters Profile
- Address
- 101 S 4th St, MONTEZUMA, IA 50171
- County
- Poweshiek
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 10, 1891
- Branches
- 1 domestic
- Employees (FTE)
- 5
- FDIC Cert
- 1860
- Fed RSSD
- 700140
- Parent Holding Company
- CHIEF IOWA INVESTMENT CORPORATION (RSSD 4516255)
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Montezuma State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Montezuma State Bank
What are Montezuma State Bank's total assets?
As of the Q1 2026 filing, Montezuma State Bank reported total assets of $55.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Montezuma State Bank headquartered?
Montezuma State Bank is headquartered in MONTEZUMA, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Montezuma State Bank founded?
Montezuma State Bank was established in 1891, per the FDIC institution directory.
Is Montezuma State Bank FDIC-insured?
Yes. Montezuma State Bank is an FDIC-insured commercial bank (FDIC Certificate #1860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Montezuma State Bank?
Montezuma State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Montezuma State Bank operate?
Montezuma State Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Montezuma State Bank's Texas Ratio?
Montezuma State Bank's Texas Ratio is 17.24% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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