Decorah Bank & Trust Company
Decorah, IA
IDRSSD: 872047
Total Assets
$770.88M
Latest filing
Total Deposits
$666.66M
Latest filing
Net Interest Margin
3.98%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073921695DECORAH, IA
Key People
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Locations
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Main Office
Decorah Bank & Trust Company
202 E Water St
Decorah, IA 52101
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/10/1935FDIC Certificate 9560
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Decorah Bank & Trust Company (Main) | 202 E Water St | Decorah, IA |
| DECORAH BRANCH | 1006 Division St | Decorah, IA |
| CRESCO BRANCH | 126 2nd Ave Se | Cresco, IA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| 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 | 01/30/2026 |
| CERT | 15200 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $770.88M |
| Total Deposits | $666.66M |
| Total Liabilities | $691.34M |
| Total Equity Capital | $79.53M |
| Net Income | $5.52M |
| Net Loans and Leases | $566.82M |
| Assets Per Employee ($Millions) | $6.76M |
| Bank Premises and Fixed Assets | $6.46M |
| Cash and Balances due from Depository Institutions | $16.56M |
| Deposits Held in Domestic Offices | $666.66M |
Key Performance Ratios
| Return on Assets (ROA) | 2.9% |
| Return on Equity (ROE) | 28.08% |
| Net Interest Margin | 3.98% |
| Efficiency Ratio | 32.16% |
| Tier 1 Risk-Based Capital Ratio | 13.082% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.317% |
| Earning Assets to total Assets | 94.34% |
Income and Expense
| Total Interest Income | $10.53M |
| Total Noninterest Income | $2.19M |
| Total Interest Expense | $3.39M |
| Total Noninterest Expense | $3.00M |
| Net Interest Income | $7.14M |
| Pre-tax Net Operating Income | $5.96M |
| Provision for Credit Losses | $373.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $14.81M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.55M |
| All Other Liabilities | $5.32M |
| Total Liabilities and Capital | $770.88M |
Securities
| Securities | $153.94M |
| Available-for-sale debt securities | $125.98M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $27.90M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Decorah Bank & Trust Company?
$770.88M as of the latest filing.
How much are Decorah Bank & Trust Company's total deposits?
$666.66M in total deposits.
Where is Decorah Bank & Trust Company located?
Decorah, IA.
What is the Net Interest Margin?
3.98%.
How many domestic offices does it operate?
3.
When was it established?
06/10/1935.
What is the Return on Assets (ROA)?
2.9%.
How much are total loans and leases?
$566.82M (latest filing).
What is the total interest income (latest filing)?
$10.53M.