Montezuma State Bank

101 South 4th Street
Montezuma, IA 50171

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1860
Date Established 1891
Assets $0.04 billion
Loans $0.02 billion
Deposits $0.03 billion
Capital $0.00 billion

Montezuma State Bank is an FDIC insured institution located in Montezuma, IA. It was founded in 1891 and has approximately $0.04 billion in assets.

For a more detailed analysis of Montezuma State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Montezuma State Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Iowa, Montezuma State Bank has a significantly higher percent of Consumer Auto Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.52
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 9.17
Small Business Loans 21.58
Construction and Development Loans 0.63
Commercial Real Estate 21.58
Commercial and Industrial Loans 19.74
Farm Loans 15.43

Deposit Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
30 Mo CD
1.25% $25,000 - Learn MoreShow Less


Loan Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Montezuma State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

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Payment
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Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
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Note to Montezuma State Bank
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Branches

Montezuma State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Montezuma State Bank Locations


Financial Details

Montezuma State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Montezuma State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Montezuma State Bank U.S. Bank Average
14.46% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Montezuma State Bank had $519,000 in non-current loans and $211,000 in owned real estate. To cover these potential losses it had $4,794,000 in equity and $253,000 in loans loss reserves. That gives it a Texas Ratio of 14.46%.

Return on Equity
Montezuma State Bank U.S. Bank Average
4.79% 8.80%

Montezuma State Bank has a Return on Equity of 4.79% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Montezuma State Bank U.S. Bank Average
13.46% 12.29%

Montezuma State Bank has a Capitalization of 13.46% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Montezuma State Bank Balance Sheet Analysis

As of December 31, 2018, Montezuma State Bank had assets of $35,621,000, loans of $18,322,000, and deposits of $30,512,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.02 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.03 billion
LIABILITIES
Total deposits $0.03 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.03 billion
      % insured (estimated) 87.73%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.03 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Montezuma State Bank

Branches and Savings

Is Montezuma State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1860.

Why does Montezuma State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Montezuma State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Montezuma State Bank a commercial bank?

Yes

Where are Montezuma State Bank locations?

See branch locations nearby.

Is Montezuma State Bank open on Saturdays?

Is Montezuma State Bank open on Sundays?

What time does Montezuma State Bank open?

What time does Montezuma State Bank close?

Are Montezuma State Bank ATMs Open 24/7?

Do Montezuma State Bank ATMs accept cash deposits?

Can Montezuma State Bank customers use other ATMs?

Do Montezuma State Bank branches have notaries?

Will Montezuma State Bank notarize my document?

What address for Montezuma State Bank should I put for incoming ACH transfers?

Will the Montezuma State Bank branch print checks?

Do Montezuma State Bank checks expire?

Does Montezuma State Bank require US citizenship to open account?

Can Montezuma State Bank close my account?

Does Montezuma State Bank Report to credit bureaus?

Does Montezuma State Bank Use Equifax?

What is Montezuma State Bank's ACH Routing Number?

What is Montezuma State Bank's SWIFT code?

Products

Does Montezuma State Bank offer mortgages?

Compare mortgage rates here.

Does Montezuma State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Montezuma State Bank offer personal loans?

Compare personal loan rates here.

Does Montezuma State Bank offer student loans?

Will Montezuma State Bank cash a check?

Will Montezuma State Bank redeem a savings bond?

Does Montezuma State Bank cash savings bonds?

Will Montezuma State Bank cash money orders?

Can Montezuma State Bank issue a money order?

Does Montezuma State Bank do currency exchange?

Background on The Bank

Who owns Montezuma State Bank?

How long has Montezuma State Bank been around?

Can Montezuma State Bank transfer to other banks?

Does Montezuma State Bank have quick pay?

Does Montezuma State Bank accept rolled coins?

Will Montezuma State Bank accept loose change?

Where is Montezuma State Bank headquarters?

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