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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

5.51%Q2 ’246.25%Q2 ’255.62%Q2 ’26+36%-11%

Non-interest income vs. expense

3.07%Q2 ’243.03%Q2 ’252.78%Q2 ’26-7%-4%

Executive Summary

  • Earnings: ROA of 1.32%, down 48 bps year over year; NIM at 3.58%.
  • 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 (quarter, annualized)

1.32%-48 bps YoY

Net Interest Margin (quarter, annualized)

3.58%-43 bps YoY

Efficiency Ratio (quarter, annualized)

59.27%+220 bps YoY

Tier 1 Leverage Ratio

9.40%+4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%1.03%1.15%1.63%1.32%-48 bps
Return on Equity23.36%13.01%14.03%19.78%16.05%-730 bps
Net Interest Margin4.01%3.26%3.56%3.47%3.58%-43 bps
Efficiency Ratio57.07%69.38%63.92%57.27%59.27%+220 bps
Non-Interest Burden1.73%1.95%1.84%1.19%1.66%-7 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-0.07%0.00%0.02%0.01%0.00%+7 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