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Decorah Bank & Trust Company
Decorah, IA · FDIC Certificate #15200 · Chartered 06/1
Total assets
$794.12M
Total deposits
$694.68M
Total equity
$80.44M
Net loans
$569.71M
Branches (offices)
3
Net income (YTD)
$6.51M
Rank: #1,262 of 4,213 U.S. banks by assets · #33 of 225 in Iowa. Assets changed 7.1% and deposits 8.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 16.34% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 10.13% |
| Tier 1 leverage ratio | 10.41% |
| Uninsured deposits (share of deposits) | 27.7% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 82.0% |
| Real estate loans (share of loans) | 63.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $359.83M | 63.2% | |
| Commercial & industrial | $114.66M | 20.1% | |
| Consumer / individual | $43.04M | 7.6% | |
| Construction & development | $46.82M | 8.2% | |
| Agricultural | $60.57M | 10.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $614.10M | $534.85M | $3.77M | $54.25M |
| Jun 2023 | $666.36M | $576.08M | $2.80M | $65.74M |
| Jun 2024 | $713.78M | $621.24M | $3.58M | $70.66M |
| Jun 2025 | $741.25M | $638.49M | $5.68M | $74.91M |
| Jun 2026 | $794.12M | $694.68M | $6.51M | $80.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $694.68M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $694.68M.
Similar-sized banks
First Community Bank ($794.38M) · Farmers Bank And Trust Company ($793.95M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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