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Overview / Commentary
101 South 4th Street
Montezuma, IA 50171

Montezuma State Bank is headquartered in Montezuma and is the 280th largest bank in the state of Iowa. It is also the 5,412th largest bank in the nation. It was established in 1891 and as of December of 2017, it had grown to 8 employees at 1 location. Montezuma State Bank has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Montezuma State Bank has a low asset base.

Health Grade Components

FDIC Certificate #1860
Year Established1891
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD5.87%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$35.2MM$35.4MM
LoansQ4 2017vs Q4 2016$18.8MM$18.1MM
DepositsQ4 2017vs Q4 2016$30.1MM$28.8MM
Equity CapitalQ4 2017vs Q4 2016$4.7MM$4.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$235.00K$218.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$220.00K$280.00K
Real Estate OwnedQ4 2017vs Q4 2016$211.00K$248.00K
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Montezuma State Bank CD Rates

1.40%$1k-60 Month CD
1.25%$5k-36 Month Raise-A-Rate CD
1.25%$5k-48 Month Raise-A-Rate CD
1.00%$1k-30 Month CD
0.70%$1k-18 Month CD
0.45%$1k-12 Month CD
0.25%$2,500-182 Day CD

Montezuma State Bank IRA Rates

1.55%$200-36 Month IRA
0.95%$200-12 Month IRA

Montezuma State Bank Locations
Montezuma State Bank101 South 4th StreetMontezuma, IA 50171