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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

$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