Montezuma State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Commercial and industrial dropped 4.18 percentage points in Q2 2026, from 20.75% to 16.57%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Montezuma State Bank is 17th from the bottom among 225 Iowa banks, 49.91% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Montezuma State Bank sits 17.72 points lower, at 49.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $23.0M |
| Net loans and leases | $22.5M |
| Loans held for sale | $0 |
| Loans to total assets | 42.20% |
| Loan-to-deposit ratio | 49.91% |
| Net loans to equity capital | 2.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.20% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.57% |
| Consumer | 13.88% |
| Credit cards | 0.00% |
| Farm | 10.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.48% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $396K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $23.3M | $50.1M | 23.39% | 22.22% | 22.84% |
| Q4 2023 | $23.3M | $45.2M | 25.24% | 21.02% | 21.87% |
| Q1 2024 | $22.4M | $50.4M | 25.07% | 19.48% | 21.81% |
| Q2 2024 | $22.0M | $46.4M | 24.83% | 21.95% | 20.70% |
| Q3 2024 | $22.0M | $47.0M | 25.21% | 19.85% | 18.34% |
| Q4 2024 | $23.4M | $44.6M | 26.15% | 20.77% | 17.17% |
| Q1 2025 | $23.1M | $46.3M | 27.14% | 19.67% | 15.86% |
| Q2 2025 | $22.2M | $46.4M | 26.10% | 18.78% | 15.14% |
| Q3 2025 | $22.8M | $46.0M | 25.11% | 18.97% | 14.32% |
| Q4 2025 | $23.8M | $45.2M | 24.57% | 19.21% | 13.42% |
| Q1 2026 | $22.7M | $47.8M | 28.31% | 20.75% | 14.10% |
| Q2 2026 | $23.0M | $46.2M | 29.20% | 16.57% | 13.88% |
Montezuma State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Montezuma State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Montezuma State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1860) · FFIEC NIC profile (RSSD 700140)