BlastPoint's Banking Scorecard
DeWitt Bank & Trust Co.
Micro
Specialty: Agricultural
IA
FDIC cert 14705
Designations: ✓ Community bank
Dewitt, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
DeWitt Bank & Trust Co. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.78% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$256.8M
+1.6% YoY
-0.9% QoQ
|
+$39.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$201.8M
+9.5% YoY
+6.7% QoQ
|
+$62.6M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$223.1M
-1.7% YoY
-3.7% QoQ
|
+$39.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.55%
+87.6% YoY
-3.0% QoQ
|
+0.47% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.66%
+18.1% YoY
+0.7% QoQ
|
-0.20% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
64.41%
-12.8% YoY
-0.3% QoQ
|
-3.32% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
1.58%
-46.0% YoY
-13.4% QoQ
|
+0.94% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
90.42%
+11.4% YoY
+10.8% QoQ
|
+15.90% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
11.16%
-13.4% YoY
-11.0% QoQ
|
-11.24% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
1.24%
-41.8% YoY
-6.8% QoQ
|
+0.79% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.34%
+7.3% YoY
+30.3% QoQ
|
+0.78% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.34%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.56%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.42% · Tier avg: 74.53%
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
75
75th pctile
Total Loans
Current: $201.8M · Tier avg: $139.2M
65
65th pctile
Total Deposits
Current: $223.1M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $256.8M · Tier avg: $217.5M
55
55th pctile
Efficiency Ratio
Current: 64.41% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
18
18th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.45%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.16% · Tier avg: 22.39%
Top Weaknesses
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.16% · Tier avg: 22.39%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.64%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Efficiency Ratio
Current: 64.41% · Tier avg: 67.73%
64
64th pctile
Total Assets
Current: $256.8M · Tier avg: $217.5M
65
65th pctile
Total Deposits
Current: $223.1M · Tier avg: $183.7M
75
75th pctile
Total Loans
Current: $201.8M · Tier avg: $139.2M
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.42% · Tier avg: 74.53%
95
95th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.56%