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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 39th largest bank in the state of Iowa. It is also the 1,782nd largest bank in the nation. It was established in 1935 and as of March of 2014, it had grown to 82 employees at 3 locations. Decorah Bank and Trust Co has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Decorah Bank and Trust Co had $171,000 in non-current loans and owned real-estate with $50.33 million in equity and loan loss allowances on hand to cover it. This gives Decorah Bank and Trust Co a Texas Ratio of 0.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Decorah Bank and Trust Co decreased slightly from 0.46% as of March 31, 2013 to 0.34% as of March 31, 2014, resulting in a positive change of 26.49%.This indicates that the balance sheet and financial strength for Decorah Bank and Trust Co has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Decorah Bank and Trust Co has increased its total deposits by $15.58 million, resulting in 5.43% 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 excellent.

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 $371.36 million in assets with $50.33 million in equity, resulting in a capitalization level of 13.55%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #15200
Year Established1935
Employees82
Primary RegulatorFDIC
Assets and Liabilities
Assets$371.36 million
Loans$256.73 million
Deposits$302.69 million
Equity Capital$45.67 million
Loan Loss Allowance$4.66 million
Unbacked Noncurrent Loans$171,000
Real Estate Owned$0
Historic Data - March 2013
Assets$353.18 million
Equity Capital$45.68 million
Loan Loss Allowance$3.87 million
Unbacked Noncurrent Loans$171,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.34%
Return on Equity10.93%
Interest Income$3.81 million
Rates

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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