Montezuma State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Montezuma State Bank of Montezuma, IA against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.86% | 3.14% | -1.28% | 80th top |
| ROAE | 12.91% | 10.41% | +2.50% | 72nd above |
| Net Interest Margin | 4.06% | 3.93% | +0.13% | 59th above |
| Efficiency Ratio | 41.62% | 76.35% | -34.73% | 95th top |
| PPNR / Avg Assets | 2.37% | 1.40% | +0.97% | 88th top |
| Yield on Earning Assets | 5.08% | 5.35% | -0.27% | 45th below |
| Cost of Funds | 1.14% | 1.71% | -0.57% | 71st above |
| Net Interest Spread | 3.64% | 3.31% | +0.33% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.95% | 1.33% | +3.62% | 4th bottom |
| NPA / Total Assets | 2.09% | 0.71% | +1.38% | 8th bottom |
| NCO / Avg Loans | -0.05% | 0.11% | -0.16% | 91st top |
| ACL / Total Loans | 2.17% | 1.48% | +0.69% | 85th top |
| ACL / NPLs (Coverage) | 43.91% | 865.98% | -822.07% | 14th bottom |
| Texas Ratio | 19.40% | 8.23% | +11.17% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.87% | 17.61% | -2.74% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.75% | 16.43% | -1.68% | 65th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.27% | 16.18% | -1.91% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.91% | 72.86% | -22.95% | 71st above |
| Core Deposit Ratio | 92.00% | 88.21% | +3.79% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.78% | 4.31% | -3.53% | 38th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.69% | 6.73% | -3.04% | 54th above |
| Deposit Growth (Y/Y) | -0.49% | 3.78% | -4.27% | 33rd below |
See Montezuma State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Montezuma State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Montezuma State Bank profile, how to read a UBPR, or how this data updates.