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563-382-9661
202 East Water Street
Decorah, IA 52101

Decorah Bank and Trust Co is headquartered in Decorah and is the 40th largest bank in the state of Iowa. It is also the 1,788th largest bank in the nation. It was established in 1935 and as of December of 2013, it had grown to 78 employees at 3 locations. Decorah Bank and Trust Co has a A+ health rating.

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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Decorah Bank and Trust Co had $108,000 in non-current loans and owned real-estate with $49.42 million in equity and loan loss allowances on hand to cover it. This gives Decorah Bank and Trust Co a Texas Ratio of 0.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Decorah Bank and Trust Co decreased dramatically from 1.68% as of December 31, 2012 to 0.22% as of December 31, 2013, resulting in a positive change of 87.02%.This indicates that the balance sheet and financial strength for Decorah Bank and Trust Co has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Decorah Bank and Trust Co has increased its total deposits by $5.17 million, resulting in 1.77% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Decorah Bank and Trust Co has shown is above average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Decorah Bank and Trust Co has $365 million in assets with $49.42 million in equity, resulting in a capitalization level of 13.54%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #15200
Year Established1935
Employees78
Primary RegulatorFDIC
Assets and Liabilities
Assets$365.00 million
Loans$253.67 million
Deposits$297.35 million
Equity Capital$44.93 million
Loan Loss Allowance$4.49 million
Unbacked Noncurrent Loans$108,000
Real Estate Owned$0
Historic Data - December 2012
Assets$358.08 million
Equity Capital$45.72 million
Loan Loss Allowance$3.65 million
Unbacked Noncurrent Loans$108,000
Real Estate Owned$50,000
Profit Margin - Quarterly
Net Interest Margin4%
Return on Assets1.8%
Return on Equity14.3%
Interest Income$15.35 million
Rates

Sorry, we do not have rate data for Decorah Bank and Trust Co

Locations


Decorah Bank and Trust Co Locations
Decorah Branch1006 Division StreetDecorah, IA 52101
Cresco Branch126 2nd Avenue SeCresco, IA 52136
Decorah Bank & Trust Company202 East Water StreetDecorah, IA 52101