Dubuque Bank and Trust Company

Headquarters

1398 Central Avenue
Dubuque, IA 52001
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 1.05% →
1-Year CD 0.01% 0.95% →
2-Year CD 0.01% 1.05% →
5-Year CD 0.01% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Dubuque Bank and Trust Company is an FDIC insured institution located in Dubuque, IA. It was founded in 1935 and has approximately $1.59 billion in assets. Customers can open an account at one of its 14 branches.

FDIC Insured Yes
FDIC Certificate # 15219
Date Established 1935
Assets $ 1,591.31 million
Loans $ 874.81 million
Deposits $ 1,363.16 million
Capital $ 148.39 million
 

For a more detailed analysis of Dubuque Bank and Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 18, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.01% $2,500 $4,999 Learn More
Money Market
0.01% $2,500 $2,999 Learn More
Money Market
0.01% $10,000 $14,999 Learn More
Money Market
0.01% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.01% $10,000 $14,999 Learn More
3 Mo CD
0.01% $100,000 $199,999 Learn More
6 Mo CD
0.01% $10,000 $14,999 Learn More
6 Mo CD
0.01% $100,000 $199,999 Learn More
12 Mo CD
0.01% $10,000 $14,999 Learn More
12 Mo CD
0.01% $100,000 $199,999 Learn More
18 Mo CD
0.01% $10,000 $14,999 Learn More
18 Mo CD
0.01% $100,000 $199,999 Learn More
24 Mo CD
0.01% $10,000 $14,999 Learn More
24 Mo CD
0.01% $100,000 $199,999 Learn More
36 Mo CD
0.01% $10,000 $14,999 Learn More
36 Mo CD
0.01% $100,000 $199,999 Learn More
48 Mo CD
0.01% $10,000 $14,999 Learn More
48 Mo CD
0.01% $100,000 $199,999 Learn More
60 Mo CD
0.01% $10,000 $14,999 Learn More
60 Mo CD
0.01% $100,000 $199,999 Learn More


Loan Rates - September 18, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Dubuque Bank and Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,120 $1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
3.500 %
$25,000 Learn More
More Info

Note to Dubuque Bank and Trust Company
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Branches

Dubuque Bank and 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:
Seattle,Washington


Dubuque Bank and Trust Company Locations


Financial Details

Dubuque Bank and Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Dubuque Bank and 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
Dubuque Bank and Trust Company U.S. Bank Average
11.05% 6.94%

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 March 31, 2020, Dubuque Bank and Trust Company had $17,488,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $148,393,000 in equity and $9,834,000 in loans loss reserves. That gives it a Texas Ratio of 11.05%.

Return on Equity
Dubuque Bank and Trust Company U.S. Bank Average
10.66% 7.80%

Dubuque Bank and Trust Company has a Return on Equity of 10.66% versus the BestCashCow average of 7.80%. 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
Dubuque Bank and Trust Company U.S. Bank Average
9.33% 12.68%

Dubuque Bank and Trust Company has a Capitalization of 9.33% versus the BestCashCow average of 12.68. 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.

Dubuque Bank and Trust Company Balance Sheet Analysis

As of March 31, 2020, Dubuque Bank and Trust Company had assets of $1,591,312,000, loans of $874,805,000, and deposits of $1,363,164,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 26.09 million
Interest-bearing balances $ 1.44 million
Total securities $ 494.01 million
Federal funds sold and reverse repurchase $ 115.48 million
Net loans and leases $ 874.81 million
Loan loss allowance $ 9.83 million
Trading account assets $ 8.02 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.02 million
All other assets $ 57.43 million
     Total Assets $ 1,442.92 million
LIABILITIES
Total deposits $ 1,363.16 million
      Interest-bearing deposits $ 992.90 million
      Deposits held in domestic offices $ 1,363.16 million
      % insured (estimated) 46.22%
Federal funds purchased and repurchase agreements $ 45.93 million
Trading liabilities $ 8.02 million
Other borrowed funds $ 5.67 million
Subordinated debt N.A.
All other liabilities $ 20.15 million
      Total Liabilities $ 1,442.92 million
      Shareholders’ Equity $ 148.39 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 14.11 million
Total Interest Expense $ 2.46 million
Net interest income $ 11.65 million
Provision for loan and lease losses $ 1.44 million
Total non interest income $ 6.30 million
Total non interest expense $ 11.16 million
Pre-tax Net Operating Income $ 5.35 million

Bank Loan Profile?

The top three loan types in Dubuque Bank and Trust Company’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Iowa, Dubuque Bank and Trust Company has a significantly higher percent of Commercial and Industrial 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 11.27
Multifamily
Mortgages
2.46
Credit Card Loans 0.10
Consumer Auto Loans 0.66
Small Business Loans 2.39
Construction and Development Loans 8.15
Commercial Real Estate 18.21
Commercial and Industrial Loans 28.61
Farm Loans 10.26

Frequently Asked Questions About Dubuque Bank And Trust Company

Branches and Savings

Is Dubuque Bank And Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #15219.

Why does Dubuque Bank And Trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Dubuque Bank And Trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Dubuque Bank And Trust Company a commercial bank?

Yes

Where are Dubuque Bank And Trust Company locations?

See branch locations nearby.

Is Dubuque Bank And Trust Company open on Saturdays?

Is Dubuque Bank And Trust Company open on Sundays?

What time does Dubuque Bank And Trust Company open?

What time does Dubuque Bank And Trust Company close?

Are Dubuque Bank And Trust Company ATMs Open 24/7?

Do Dubuque Bank And Trust Company ATMs accept cash deposits?

Can Dubuque Bank And Trust Company customers use other ATMs?

Do Dubuque Bank And Trust Company branches have notaries?

Will Dubuque Bank And Trust Company notarize my document?

What address for Dubuque Bank And Trust Company should I put for incoming ACH transfers?

Will the Dubuque Bank And Trust Company branch print checks?

Do Dubuque Bank And Trust Company checks expire?

Does Dubuque Bank And Trust Company require US citizenship to open account?

Can Dubuque Bank And Trust Company close my account?

Does Dubuque Bank And Trust Company Report to credit bureaus?

Does Dubuque Bank And Trust Company Use Equifax?

What is Dubuque Bank And Trust Company's ACH Routing Number?

What is Dubuque Bank And Trust Company's SWIFT code?

Products

Does Dubuque Bank And Trust Company offer mortgages?

Compare mortgage rates here.

Does Dubuque Bank And Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Dubuque Bank And Trust Company offer personal loans?

Compare personal loan rates here.

Does Dubuque Bank And Trust Company offer student loans?

Will Dubuque Bank And Trust Company cash a check?

Will Dubuque Bank And Trust Company redeem a savings bond?

Does Dubuque Bank And Trust Company cash savings bonds?

Will Dubuque Bank And Trust Company cash money orders?

Can Dubuque Bank And Trust Company issue a money order?

Does Dubuque Bank And Trust Company do currency exchange?

Background on The Bank

Who owns Dubuque Bank And Trust Company?

How long has Dubuque Bank And Trust Company been around?

Can Dubuque Bank And Trust Company transfer to other banks?

Does Dubuque Bank And Trust Company have quick pay?

Does Dubuque Bank And Trust Company accept rolled coins?

Will Dubuque Bank And Trust Company accept loose change?

Where is Dubuque Bank And Trust Company headquarters?

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