Decorah Bank and Trust Company
Decorah, IA · Cert 15200 · Peer group: banks under $1B in assets in IA (n=134-135) · Security Agency Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$794.1MAssets
$578.4MLoans
$694.7MDeposits
$80.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 76% of banks under $1B in assets in IA (rank 33 of 135).
- Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets in IA (rank 112 of 134).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.34%
Rank 54 of 135
Net Interest Margin
3.65%
Rank 44 of 135
Efficiency Ratio
57.35%
Rank 68 of 135
Equity / Assets
10.13%
Rank 92 of 135
Non-interest income vs. expense
Unfavorable gap of $13.8M · efficiency ratio beats 50% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.92% | 1.19% | 1.47% | Beats 60% | 54 / 135 | |
| Return on Equity | 13.27% | 7.99% | 10.26% | 13.14% | Beats 76% | 33 / 135 | |
| Net Interest Margin | 3.65% | 2.95% | 3.41% | 3.73% | Beats 67% | 44 / 135 | |
| Efficiency Ratio | 57.35% | 50.61% | 57.35% | 63.29% | Beats 50% | 68 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.03% | 0.51% | 1.26% | Beats 51% | 67 / 134 | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.03% | Beats 17% | 112 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 13.13% | 11.23% | 13.31% | 15.45% | Beats 47% | 71 / 135 | |
| Total Risk-Based Capital Ratio | 14.38% | 11.61% | 14.06% | 16.47% | Beats 56% | 60 / 135 | |
| Equity / Assets | 10.13% | 9.87% | 11.05% | 13.07% | Beats 32% | 92 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 83.26% | 68.54% | 81.55% | 91.24% | 53rd pctl | 63 / 134 | |
| Loans / Assets | 72.84% | 57.61% | 68.06% | 76.23% | 62nd pctl | 51 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |