BlastPoint's Banking Scorecard
Montezuma State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 1860
Designations: ✓ Community bank
Montezuma, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Montezuma State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.29% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.87% above tier
- - Nonperforming Asset Ratio 1.95% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.4M
+2.8% YoY
-1.1% QoQ
|
-$164.0M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$23.3M
+2.0% YoY
+4.5% QoQ
|
-$115.9M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$45.2M
+1.5% YoY
-1.7% QoQ
|
-$138.4M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.89%
+12.3% YoY
+2.4% QoQ
|
+0.81% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.79%
-3.5% YoY
+5.8% QoQ
|
-0.06% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
43.44%
+3.6% YoY
-0.8% QoQ
|
-24.29% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
5.51%
+56.2% YoY
+59.9% QoQ
|
+4.87% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
51.52%
+0.5% YoY
+6.3% QoQ
|
-23.01% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.85%
+21.8% YoY
+18.6% QoQ
|
+0.46% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
2.40%
+40.1% YoY
+69.0% QoQ
|
+1.95% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.78%
+131.8% YoY
+16.5% QoQ
|
+0.22% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.44%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.51%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.40%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Efficiency Ratio
Current: 43.44% · Tier avg: 67.73%
88
88th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.08%
86
86th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.85% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
14
14th pctile
Loan-to-Deposit Ratio
Current: 51.52% · Tier avg: 74.53%
9
9th pctile
Total Deposits
Current: $45.2M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $23.3M · Tier avg: $139.2M
8
8th pctile
Total Assets
Current: $53.4M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 5.51% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.40% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.40% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.51% · Tier avg: 0.64%
8
8th pctile
Total Assets
Current: $53.4M · Tier avg: $217.5M
8
8th pctile
Total Loans
Current: $23.3M · Tier avg: $139.2M
9
9th pctile
Total Deposits
Current: $45.2M · Tier avg: $183.7M
14
14th pctile
Loan-to-Deposit Ratio
Current: 51.52% · Tier avg: 74.53%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.85% · Tier avg: 22.39%
86
86th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
88
88th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 43.44% · Tier avg: 67.73%