Montezuma State Bank is a state-chartered bank headquartered in Montezuma, Iowa, in business for about 135 years. At the end of Q2 2026 it reported $54.6M in total assets and $46.2M in deposits, with 1 office.
Montezuma State Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 156th. Capital cushion contributes the most (99/100, 14.87%); loan quality contributes the least (0/100, 6.94%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (70 → 68), mostly because the problem-loan coverage component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 67 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 65 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.20% |
| Q3 2024 | 13.27% |
| Q4 2024 | 13.97% |
| Q1 2025 | 13.89% |
| Q2 2025 | 14.31% |
| Q3 2025 | 14.63% |
| Q4 2025 | 14.47% |
| Q1 2026 | 14.34% |
| Q2 2026 | 14.87% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.42% |
| Q3 2024 | 3.64% |
| Q4 2024 | 3.45% |
| Q1 2025 | 3.17% |
| Q2 2025 | 4.33% |
| Q3 2025 | 3.37% |
| Q4 2025 | 5.39% |
| Q1 2026 | 6.04% |
| Q2 2026 | 6.94% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.56% |
| Q4 2024 | 1.69% |
| Q1 2025 | 2.58% |
| Q2 2025 | 2.11% |
| Q3 2025 | 1.85% |
| Q4 2025 | 1.89% |
| Q1 2026 | 1.63% |
| Q2 2026 | 1.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $54.6M | 14.87% | 6.94% | 1.75% | 48.8% |
| Q1 2026 | 65 | $55.8M | 14.34% | 6.04% | 1.63% | 46.4% |
| Q4 2025 | 69 | $53.4M | 14.47% | 5.39% | 1.89% | 51.5% |
| Q3 2025 | 69 | $54.1M | 14.63% | 3.37% | 1.85% | 48.5% |
| Q2 2025 | 70 | $54.2M | 14.31% | 4.33% | 2.11% | 46.8% |
| Q1 2025 | 69 | $53.9M | 13.89% | 3.17% | 2.58% | 48.8% |
| Q4 2024 | 67 | $52.0M | 13.97% | 3.45% | 1.69% | 51.3% |
| Q3 2024 | 63 | $54.3M | 13.27% | 3.64% | 1.56% | 45.7% |
| Q2 2024 | 62 | $53.4M | 13.20% | 3.42% | 1.46% | 46.2% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ashton State BankBank Ashton, IA | 84 out of 100, Strong | $54.5M | 14.7% | 0.88% | vs |
| The Exchange State BankBank Springville, IA | 70 out of 100, Strong | $52.7M | 9.5% | 0.57% | vs |
| Benton County State BankBank Blairstown, IA | 87 out of 100, Very strong | $50.8M | 15.2% | 0.00% | vs |
| Palo Savings BankBank Palo, IA | 81 out of 100, Strong | $49.2M | 11.7% | 0.19% | vs |
| State Central BankBank Bonaparte, IA | 84 out of 100, Strong | $63.2M | 16.1% | 1.11% | vs |
| ITS BankBank Johnston, IA | 98 out of 100, Very strong | $45.2M | 97.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Montezuma State Bank?
Yes. Montezuma State Bank is an FDIC-insured institution (FDIC certificate #1860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.3% of deposits ($10.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.87%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Montezuma State Bank lists 1 office in 1 city. Most locations:
- Montezuma, IA (1)
Identity & history
Profile
- Legal name
- Montezuma State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 1860
- RSSD ID
- 700140
- Primary regulator
- FDIC
- Holding company
- Chief Iowa Investment Corp
- Established
- January 10, 1891
- Headquarters
- 101 S 4th St, Montezuma, IA 50171
- Website
- www.montestatebank.com
- Employees
- 5
Quick answers
Montezuma State Bank: common questions
Is Montezuma State Bank FDIC insured?
Yes. Montezuma State Bank is an FDIC-insured institution (FDIC certificate #1860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Montezuma State Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Montezuma State Bank ever failed?
There is no failure record for FDIC certificate #1860 in the FDIC failed bank list.
How many branches does Montezuma State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Montezuma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chelsea Savings BankBank Belle Plaine, IA | 93 out of 100, Very strong | $196.9M | 16.0% | 0.24% | vs |
| Washington State BankBank Washington, IA | 78 out of 100, Strong | $601.1M | 12.5% | 0.49% | vs |
| First State BankBank Lynnville, IA | 75 out of 100, Strong | $384.2M | 9.8% | 0.21% | vs |
| Marion County State BankBank Pella, IA | 75 out of 100, Strong | $628.6M | 10.4% | 0.27% | vs |
| Leighton State BankBank Pella, IA | 74 out of 100, Strong | $298.2M | 11.0% | 0.79% | vs |
| Citizens Savings BankBank Marshalltown, IA | 74 out of 100, Strong | $77.9M | 9.9% | 0.00% | vs |