De Witt, IA · Cert 14705 · Dewitt Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.68% | 1.11% | 1.45% | 1.31% | 1.27% | 1.63% | 1.48% | +3 bps | |
| Return on Equity | 9.89% | 9.14% | 14.77% | 19.10% | 16.98% | 16.25% | 19.78% | 17.86% | -124 bps | |
| Net Interest Margin | 2.96% | 2.86% | 2.94% | 3.46% | 3.36% | 3.44% | 3.47% | 3.48% | +2 bps | |
| Efficiency Ratio | 72.83% | 73.85% | 68.55% | 62.52% | 64.57% | 64.41% | 57.27% | 58.22% | -430 bps | |
| Non-Interest Burden | 1.77% | 1.77% | 1.42% | 1.57% | 1.68% | 1.73% | 1.19% | 1.41% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.48% | 4.03% | 4.42% | 6.93% | 7.82% | 1.56% | 9.96% | 8.74% | +180 bps | |
| Loan Growth (YoY) | 0.25% | 3.29% | 6.20% | 5.03% | 7.14% | 9.44% | 15.49% | 17.78% | +1,275 bps | |
| Deposit Growth (YoY) | 5.01% | 8.60% | 8.07% | 8.34% | 10.20% | -1.73% | 10.01% | 8.57% | +23 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.96% | 2.90% | 2.75% | 1.83% | 1.81% | 1.56% | 1.29% | 1.26% | -57 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.11% | -0.01% | -0.04% | -0.03% | -0.01% | 0.01% | 0.00% | +4 bps | |
| Allowance / Loans | 1.11% | 1.13% | 1.15% | 1.17% | 1.16% | 1.12% | 1.11% | 1.16% | -1 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.6x | 0.6x | 0.7x | 0.9x | 0.9x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.51% | 9.11% | 9.09% | 9.36% | 9.34% | 9.61% | 9.41% | 9.40% | +4 bps | |
| Total Risk-Based Capital | 11.43% | 11.23% | 11.32% | 11.83% | 9.34% | 9.61% | 9.41% | 9.40% | -243 bps | |
| Equity / Assets | 7.83% | 7.35% | 7.62% | 7.79% | 8.00% | 8.36% | 8.11% | 8.38% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.95% | 82.11% | 84.62% | 82.70% | 82.59% | 91.45% | 88.83% | 89.71% | +701 bps | |
| Liquid Assets / Assets | 0.93% | 4.49% | 2.45% | 3.61% | 4.84% | 0.26% | 0.09% | 0.05% | -356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 232% | 248% | 265% | n/a | n/a | |