No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.6M | $46.2M | $22.5M | $8.1M | $477K | 1.75% | 3.97% | 2.93% |
| Q1 2026 | $55.8M | $47.8M | $22.2M | $7.7M | $222K | 1.63% | 3.88% | 2.45% |
| Q4 2025 | $53.4M | $45.2M | $23.3M | $7.9M | $1.0M | 1.89% | 3.79% | 2.40% |
| Q3 2025 | $54.1M | $46.0M | $22.3M | $7.8M | $743K | 1.85% | 3.58% | 1.42% |
| Q2 2025 | $54.2M | $46.4M | $21.7M | $7.5M | $563K | 2.11% | 3.70% | 1.78% |
| Q1 2025 | $53.9M | $46.3M | $22.6M | $7.2M | $342K | 2.58% | 3.57% | 1.36% |
| Q4 2024 | $52.0M | $44.6M | $22.8M | $7.1M | $909K | 1.69% | 3.93% | 1.71% |
| Q3 2024 | $54.3M | $47.0M | $21.5M | $7.0M | $634K | 1.56% | 3.86% | 1.63% |
Loan mix (Q2 2026): real estate $11.5M · commercial $3.8M · consumer $3.2M · securities $9.8M
| Ratio | Montezuma State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 0.99% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 8.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.2% | 70.8% | 5th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Montezuma State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Montezuma State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Montezuma State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Montezuma State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.