Montezuma State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.18 percentage points higher than in Q1 2026, at 43.91%. Within Iowa, Montezuma State Bank is 40th of 225 on return on assets, 1.86% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, Montezuma State Bank reported 1.86% on return on assets in Q2 2026, 0.88 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.87% |
| Equity capital to assets | 14.75% |
| Tangible equity to tangible assets | 14.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.95% |
| Non-performing assets ratio | 2.09% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 19.40% |
| Allowance for credit losses to loans | 2.17% |
| Reserve coverage of non-performing loans | 43.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.86% |
| Return on equity | 12.91% |
| Net interest margin | 4.06% |
| Efficiency ratio | 41.62% |
| Yield on earning assets | 5.08% |
| Cost of funds | 1.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.91% |
| Core deposits to total deposits | 92.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.56% |
| Securities to assets | 17.93% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.00% | 2.12% | 4.28% | 3.25% | 0.05% |
| Q4 2023 | 12.87% | 2.03% | 4.13% | 3.11% | -0.02% |
| Q1 2024 | 12.71% | 1.42% | 3.66% | 3.39% | 0.00% |
| Q2 2024 | 13.20% | 1.52% | 4.00% | 3.42% | 0.05% |
| Q3 2024 | 13.27% | 1.76% | 3.87% | 3.64% | -0.02% |
| Q4 2024 | 13.97% | 2.07% | 4.04% | 3.42% | 0.00% |
| Q1 2025 | 13.89% | 2.53% | 3.49% | 3.14% | 0.30% |
| Q2 2025 | 14.31% | 1.64% | 3.79% | 3.28% | 0.00% |
| Q3 2025 | 14.63% | 1.33% | 3.43% | 3.37% | 0.00% |
| Q4 2025 | 14.47% | 1.96% | 4.35% | 5.39% | 0.19% |
| Q1 2026 | 14.34% | 1.61% | 3.91% | 5.67% | -0.02% |
| Q2 2026 | 14.87% | 1.86% | 4.06% | 4.95% | -0.05% |
Montezuma State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Montezuma State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)