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Dewitt Bank & Trust Co.

De Witt, IA · Cert 14705 · Dewitt Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

3

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dewitt Bank & Trust Co.

De Witt, IA · Cert 14705 · Dewitt Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$277.3MAssets
$222.2MLoans
$247.7MDeposits
$23.2MEquity
Loan mix
86%RE $144.2M11%C&I $18.6M3%Consumer $4.8MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $221.2M11%Noninterest $26.5MQ2 2025Q2 2026

NIM

5.45%Q2 ’245.73%Q2 ’255.50%Q2 ’26+20%+1%

Non-interest income vs. expense

3.11%Q2 ’243.16%Q2 ’252.88%Q2 ’26-2%-10%

Executive Summary

  • Earnings: ROA of 1.48%, up 3 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 1.26% of loans (-57 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.40%, up 4 bps from a year ago.
  • Funding: loans stand at 89.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+2 bps YoY

Efficiency Ratio (YTD, annualized)

58.22%-430 bps YoY

Tier 1 Leverage Ratio

9.40%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.31%1.27%1.63%1.48%+3 bps
Return on Equity19.10%16.98%16.25%19.78%17.86%-124 bps
Net Interest Margin3.46%3.36%3.44%3.47%3.48%+2 bps
Efficiency Ratio62.52%64.57%64.41%57.27%58.22%-430 bps
Non-Interest Burden1.57%1.68%1.73%1.19%1.41%-15 bps
Growth
Asset Growth (YoY)6.93%7.82%1.56%9.96%8.74%+180 bps
Loan Growth (YoY)5.03%7.14%9.44%15.49%17.78%+1,275 bps
Deposit Growth (YoY)8.34%10.20%-1.73%10.01%8.57%+23 bps
Asset Quality
Nonperforming Loans / Loans1.83%1.81%1.56%1.29%1.26%-57 bps
Net Charge-Offs / Loans-0.04%-0.03%-0.01%0.01%0.00%+4 bps
Allowance / Loans1.17%1.16%1.12%1.11%1.16%-1 bps
Allowance Coverage of NPLs0.6x0.6x0.7x0.9x0.9x+0.3x
Capital
Tier 1 Leverage Ratio9.36%9.34%9.61%9.41%9.40%+4 bps
Total Risk-Based Capital11.83%9.34%9.61%9.41%9.40%-243 bps
Equity / Assets7.79%8.00%8.36%8.11%8.38%+59 bps
Liquidity & Funding
Loans / Deposits82.70%82.59%91.45%88.83%89.71%+701 bps
Liquid Assets / Assets3.61%4.84%0.26%0.09%0.05%-356 bps
CRE / Total Capitaln/a232%248%265%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Dewitt Bank & Trust Co.

De Witt, IA · Cert 14705 · Peer group: banks under $1B in assets in IA (n=134-135) · Dewitt Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$277.3MAssets
$222.2MLoans
$247.7MDeposits
$23.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets in IA (rank 10 of 135).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets in IA (rank 133 of 135).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.44%

Rank 44 of 135

Net Interest Margin

3.48%

Rank 57 of 135

Efficiency Ratio

58.22%

Rank 76 of 135

Equity / Assets

8.38%

Rank 125 of 135

Non-interest income vs. expense

$4.0M$7.9MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 44% of banks under $1B in assets in IA
Bank 58.22%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.92%1.19%1.47%Beats 67%44 / 135
Return on Equity17.17%7.99%10.26%13.14%Beats 93%10 / 135
Net Interest Margin3.48%2.95%3.41%3.73%Beats 58%57 / 135
Efficiency Ratio58.22%50.61%57.35%63.29%Beats 44%76 / 135
Asset Quality
Nonperforming Loans / Loans1.26%0.03%0.51%1.26%Beats 25%101 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 55%61 / 134
Capital
Tier 1 Capital Ratio9.40%11.23%13.31%15.45%Beats 1%133 / 135
Total Risk-Based Capital Ratio9.40%11.61%14.06%16.47%Beats 1%133 / 135
Equity / Assets8.38%9.87%11.05%13.07%Beats 7%125 / 135
Liquidity & Funding
Loans / Deposits89.71%68.54%81.55%91.24%69th pctl42 / 134
Loans / Assets80.13%57.61%68.06%76.23%86th pctl19 / 135
Brokered Deposits / Depositsn/aNot reported for this institution