Montezuma State Bank
Montezuma, IA
IDRSSD: 700140
Total Assets
$53.45M
Latest filing
Total Deposits
$45.24M
Latest filing
Net Interest Margin
4.36%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Montezuma State Bank
101 S 4th St
Montezuma, IA 50171
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/10/1891FDIC Certificate 1238
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Montezuma State Bank (Main) | 101 S 4th St | Montezuma, IA | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/10/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50171 |
| State and County Number | 19157 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 5 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.montestatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 1860 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $53.45M |
| Total Deposits | $45.24M |
| Total Liabilities | $45.55M |
| Total Equity Capital | $7.90M |
| Net Income | $271.00k |
| Net Loans and Leases | $23.30M |
| Assets Per Employee ($Millions) | $10.69M |
| Bank Premises and Fixed Assets | $152.00k |
| Cash and Balances due from Depository Institutions | $17.43M |
| Deposits Held in Domestic Offices | $45.24M |
Key Performance Ratios
| Return on Assets (ROA) | 2.02% |
| Return on Equity (ROE) | 13.84% |
| Net Interest Margin | 4.36% |
| Efficiency Ratio | 42.5% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.781% |
| Earning Assets to total Assets | 93.76% |
Income and Expense
| Total Interest Income | $711.00k |
| Total Noninterest Income | $55.00k |
| Total Interest Expense | $159.00k |
| Total Noninterest Expense | $258.00k |
| Net Interest Income | $552.00k |
| Pre-tax Net Operating Income | $349.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $310.00k |
| Total Liabilities and Capital | $53.45M |
Securities
| Securities | $10.42M |
| Available-for-sale debt securities | $10.42M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Montezuma State Bank?
$53.45M as of the latest filing.
How much are Montezuma State Bank's total deposits?
$45.24M in total deposits.
Where is Montezuma State Bank located?
Montezuma, IA.
What is the Net Interest Margin?
4.36%.
How many domestic offices does it operate?
1.
When was it established?
01/10/1891.
What is the Return on Assets (ROA)?
2.02%.
How much are total loans and leases?
$23.30M (latest filing).
What is the total interest income (latest filing)?
$711.00k.