Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	06/10/1935
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	52101
State and County Number	19191
Subchapter S Corporations	Yes
Trust Powers	Trust Powers Grandfathered
Federal Reserve ID Number	07
Numeric code	21
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Kansas City
Core Based Statistical Area Name	N/A

Operational Info

Number of Employees	115
Domestic Offices	3
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	06/30/2024
Date of Deposit Insurance	06/28/1935
Primary Insurance Agency	DIF
Website	www.decorah.bank
Data Updated	11/14/2025
CERT	15200
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$750.49M
Total Deposits	$640.96M
Total Liabilities	$672.70M
Total Equity Capital	$77.79M
Net Income	$1.86M
Net Loans and Leases	$554.09M
Assets Per Employee ($Millions)	$6.53M
Bank Premises and Fixed Assets	$6.50M
Cash and Balances due from Depository Institutions	$7.44M
Deposits Held in Domestic Offices	$640.96M

Return on Assets (ROA)	1%
Return on Equity (ROE)	9.77%
Net Interest Margin	3.86%
Efficiency Ratio	59.43%
Tier 1 Risk-Based Capital Ratio	13.205%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.78%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	10.365%
Earning Assets to total Assets	94.54%

Total Interest Income	$10.20M
Total Noninterest Income	$1.67M
Total Interest Expense	$3.41M
Total Noninterest Expense	$5.03M
Net Interest Income	$6.79M
Pre-tax Net Operating Income	$1.97M
Provision for Credit Losses	$1.46M
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$16.83M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$6.21M
All Other Liabilities	$8.69M
Total Liabilities and Capital	$750.49M

Securities	$154.93M
Available-for-sale debt securities	$126.09M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$28.77M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Decorah Bank & Trust Company?

$750.49M as of the latest filing.

How much are Decorah Bank & Trust Company's total deposits?

$640.96M in total deposits.

Where is Decorah Bank & Trust Company located?

Decorah, IA.

What is the Net Interest Margin?

3.86%.

How many domestic offices does it operate?

When was it established?

06/10/1935.

What is the Return on Assets (ROA)?

1%.

How much are total loans and leases?

$554.09M (latest filing).

What is the total interest income (latest filing)?

$10.20M.