BlastPoint's Banking Scorecard
Decorah Bank & Trust Company
Community
Specialty: Agricultural
IA
FDIC cert 15200
Decorah, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Decorah Bank & Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 26% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$770.9M
+8.7% YoY
+2.7% QoQ
|
-$620.6M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$566.8M
+6.3% YoY
+2.3% QoQ
|
-$408.7M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$666.7M
+9.7% YoY
+4.0% QoQ
|
-$497.9M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.76%
+33.8% YoY
+28.6% QoQ
|
+0.60% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
3.66%
+7.0% YoY
|
0 |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
52.62%
-19.3% YoY
-13.1% QoQ
|
-10.01% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.52%
+272.3% YoY
-30.8% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
85.02%
-3.1% YoY
-1.6% QoQ
|
+1.96% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
19.14%
+4.6% YoY
+3.7% QoQ
|
-1.90% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.39%
+264.2% YoY
-31.1% QoQ
|
-0.11% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
13.08%
-3.5% YoY
-0.9% QoQ
|
+2.84% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.89%
+9.5% YoY
+43.2% QoQ
|
+0.15% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#96 of 371 · Top 26% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.76%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (1)
Credit Risk Growth
risk
#312 of 642 · Bottom 49% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%
78
78th pctile
Efficiency Ratio
Current: 52.62% · Tier avg: 62.63%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.08% · Tier avg: 10.24%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
49
49th pctile
Loan-to-Deposit Ratio
Current: 85.02% · Tier avg: 83.06%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.14% · Tier avg: 21.05%
38
38th pctile
Total Loans
Current: $566.8M · Tier avg: $975.5M
35
35th pctile
Total Deposits
Current: $666.7M · Tier avg: $1.2B
33
33th pctile
Total Assets
Current: $770.9M · Tier avg: $1.4B
Top Weaknesses
33
33th pctile
Total Assets
Current: $770.9M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $666.7M · Tier avg: $1.2B
38
38th pctile
Total Loans
Current: $566.8M · Tier avg: $975.5M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.14% · Tier avg: 21.05%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
49
49th pctile
Loan-to-Deposit Ratio
Current: 85.02% · Tier avg: 83.06%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.08% · Tier avg: 10.24%
78
78th pctile
Efficiency Ratio
Current: 52.62% · Tier avg: 62.63%
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%