Montezuma State Bank
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Data as of · sourced from FFIEC call reports. How we update
Montezuma State Bank is an FDIC-insured commercial bank headquartered in Montezuma, IA, established in 1891 (FDIC certificate 1860), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $54.6M, up 0.8% from Q2 2025, the 211th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.87% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1860
- Headquarters
- Montezuma, IA
- Established
- 1891
- Total assets, Q2 2026
- $54.6M
- Assets vs Q2 2025
- +0.8%
- Tier 1 leverage ratio, Q2 2026
- 14.87%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073905653
- Holding company
- CHIEF IOWA INVESTMENT CORPORATION
- Asset rank in state
- 211th of 225 in Iowa
Problem loans are rising at Montezuma State Bank. Its balance sheet stood at $55 million at June 30, 2026; it is based in Montezuma, Iowa. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.94% of loans from 4.33% a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). On the other hand, it carries problem assets equal to 19.4% of the capital and reserves that would absorb them, 14.1 times the median of 1.4% for banks its size.
The commercial and industrial book ($3.8 million) is worsening: 22.92% of it is past due or on nonaccrual, up from 1.17% a year earlier. The non-owner-occupied commercial real estate book ($3.2 million) is worsening: 12.36% of it is past due or on nonaccrual, up from 9.19% a year earlier.
As of June 30, 2026, Montezuma State Bank reported a return on assets of 1.86%, a nonperforming-loan ratio of 6.94% and a Texas ratio of 19.40%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Montezuma State Bank is the 211th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.2% to $54.6M, loans rose 1.6% and deposits fell 3.3%. Its loan book on June 30, 2026 was led by agricultural production loans, at 19.7% of total loans, followed by commercial and industrial loans at 16.6%. Its one office in the FDIC Summary of Deposits is in Montezuma, IA. On its Q2 2026 call report, Montezuma State Bank meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 10, 1891
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $46.2M
- Allowance for credit losses
- $501K
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $54.8M
- Average total loans
- $22.9M
- Average interest-bearing deposits
- $35.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1860
- Fed RSSD
- 700140
- Website
- http://www.montestatebank.com →
- Parent Holding Company
- CHIEF IOWA INVESTMENT CORPORATION (RSSD 4516255)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Montezuma State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Montezuma State Bank's total assets moved between a low of $52.0M (Q4 2024) and a high of $57.4M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$54.6M total assets against $54.2M; $46.5M total liabilities against $46.7M.
$22.5M net loans and leases against $21.7M; $46.2M total deposits against $46.4M.
$9.8M securities against $11.0M; $20.0M cash and balances due against $19.2M.
$650K total interest income against $665K; $132K total interest expense against $186K.
$518K net interest income against $479K.
$45K total noninterest income against $48K; $238K total noninterest expense against $242K.
$0 provision for credit losses against $0.
$255K net income against $221K.
1.86% return on assets against 1.64%; 4.06% net interest margin against 3.79%.
14.87% tier 1 leverage ratio against 14.31%.
Inside the full Montezuma State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Montezuma State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.33% (Q3 2025) to 2.53% (Q1 2025) and its net interest margin ran from 3.43% (Q3 2025) to 4.35% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.87% | 1.86% | 6.94% | 19.40% | 4.06% |
| Q1 2026 | 14.34% | 1.61% | 6.04% | 17.24% | 3.91% |
| Q4 2025 | 14.47% | 1.96% | 5.39% | 15.88% | 4.35% |
| Q3 2025 | 14.63% | 1.33% | 3.37% | 9.65% | 3.43% |
| Q2 2025 | 14.31% | 1.64% | 4.33% | 12.56% | 3.79% |
| Q1 2025 | 13.89% | 2.53% | 3.17% | 9.90% | 3.49% |
| Q4 2024 | 13.97% | 2.07% | 3.45% | 12.20% | 4.04% |
| Q3 2024 | 13.27% | 1.76% | 3.64% | 12.36% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Montezuma State Bank (main office) | Montezuma , IA | 50171 | $46.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 241 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $106K approved, $106K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Montezuma State Bank
What are Montezuma State Bank's total assets?
As of the Q2 2026 filing, Montezuma State Bank reported total assets of $54.6 million in its FFIEC call report.
Where is Montezuma State Bank headquartered?
It is headquartered in Montezuma, IA, United States.
When was Montezuma State Bank founded?
It was established in 1891, per the FDIC institution directory.
Is Montezuma State Bank FDIC-insured?
Yes. It 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.
How many branches does Montezuma State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Montezuma State Bank's Texas Ratio?
Its Texas Ratio is 19.40% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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