Decorah Bank & Trust Company
Headquarters
202 E Water St
Decorah, IA 52101
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2026 Overview
General Bank Information
Decorah Bank & Trust Company is an FDIC insured institution located in Decorah, IA. It was founded in 1935 and has approximately $0.79 billion in assets. Customers can open an account at one of its 3 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 15200 |
| Date Established | 1935 |
| Assets | $ 794.12 million |
| Loans | $ 564.33 million |
| Deposits | $ 679.60 million |
| Capital | $ 79.08 million |
For a more detailed analysis of Decorah Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 2, 2026
Your Current Location: Arizona, AZ
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Premium Checking | 2.25% | $0 | $2.50 | Learn More |
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Loan Rates - October 2, 2026
Your Current Location: Arizona, AZ
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
4.50% | 4.50% | Varies |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.73% | 6.63% | $2,809.58 | |
| 20 Year Fixed Conforming See Amortization Table |
7.08% | 7.00% | $2,480.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.18% | 7.13% | $2,155.90 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.73% | 6.63% | $2,809.58 | |
| 20 Year Fixed Conforming See Amortization Table |
7.08% | 7.00% | $2,480.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.18% | 7.13% | $2,155.90 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Decorah Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Goodyear,Arizona
Decorah Bank & Trust Company Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1275.05 | A | View Lobby Hours | |
| 1286.68 | B | View Lobby Hours | |
| 1287.44 | C | View Lobby Hours |
Climate Policy and Initiatives
Decorah Bank & Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Decorah Bank & Trust Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Decorah Bank & Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Decorah Bank & Trust Company | U.S. Bank Average |
|---|---|
| 1.84% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2025, Decorah Bank & Trust Company had $1,152,000 in non-current loans and $456,000 in owned real estate. To cover these potential losses it had $79,077,000 in equity and $8,441,000 in loans loss reserves. That gives it a Texas Ratio of 1.84%.
Return on Equity
| Decorah Bank & Trust Company | U.S. Bank Average |
|---|---|
| 16.34% | 10.69% |
Decorah Bank & Trust Company has a Return on Equity of 16.34% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Decorah Bank & Trust Company | U.S. Bank Average |
|---|---|
| 9.96% | 11.75% |
Decorah Bank & Trust Company has a Capitalization of 9.96% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Decorah Bank & Trust Company Balance Sheet Analysis
As of March 31, 2026, Decorah Bank & Trust Company had assets of $794,121,000, loans of $564,325,000, and deposits of $679,604,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 31.31 million |
| Interest-bearing balances | $ 24.86 million |
| Total securities | $ 150.42 million |
| Federal funds sold and reverse repurchase | $ 0.32 million |
| Net loans and leases | $ 564.33 million |
| Loan loss allowance | $ 8.44 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.46 million |
| Goodwill and other intangibles | $ 7.70 million |
| All other assets | $ 15.61 million |
| Total Assets | $ 700.86 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 679.60 million |
| Interest-bearing deposits | $ 557.78 million |
| Deposits held in domestic offices | $ 679.60 million |
| % insured (estimated) | 73.94% |
| Federal funds purchased and repurchase agreements | $ 2.45 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 6.84 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 3.34 million |
| Total Liabilities | $ 700.86 million |
| Shareholders’ Equity | $ 93.26 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 10.35 million |
| Total Interest Expense | $ 3.30 million |
| Net interest income | $ 7.05 million |
| Provision for loan and lease losses | $ 0.34 million |
| Total non interest income | $ 1.57 million |
| Total non interest expense | $ 5.23 million |
| Pre-tax Net Operating Income | $ 4.07 million |
Bank Loan Profile?
The top three loan types in Decorah Bank & Trust Company’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.
Compared to other banks in Iowa, Decorah Bank & Trust Company has a significantly higher percent of Multifamily Mortgages, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 13.03 | ✓ | ||
| Multifamily Mortgages |
6.27 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.91 | ✓ | ||
| Small Business Loans | 6.04 | ✓ | ||
| Construction and Development Loans | 3.99 | ✓ | ||
| Commercial Real Estate | 16.30 | ✓ | ||
| Commercial and Industrial Loans | 13.58 | ✓ | ||
| Farm Loans | 8.47 | ✓ | ||
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