BlastPoint's Banking Scorecard
DeWitt Bank & Trust Co.
Dewitt, IA
2 branches across IA
DeWitt Bank & Trust Co. has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 6.8% in tier
- + Profitability Leader: Top 17.6% in tier
- + Efficiency Ratio 8.01% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.22% below tier average
- - Delinquency Rate 0.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$275.0M
+10.0% YoY
+7.1% QoQ
|
-$111.1M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
41% |
| Total Loans ? |
$216.5M
+15.5% YoY
+7.3% QoQ
|
-$39.2M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$246.5M
+10.0% YoY
+10.5% QoQ
|
-$81.5M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
2.00%
+47.9% YoY
+29.0% QoQ
|
+0.73% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 12.5% in tier |
| Net Interest Margin ? |
3.71%
+18.2% YoY
+1.3% QoQ
|
-0.22% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
41% |
| Efficiency Ratio ? |
57.27%
-16.4% YoY
-11.1% QoQ
|
-8.01% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
1.31%
-53.1% YoY
-17.4% QoQ
|
+0.42% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
87.84%
+5.0% YoY
-2.9% QoQ
|
+11.21% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
10.94%
-14.1% YoY
-1.9% QoQ
|
-11.08% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.5% in tier |
| Nonperforming Asset Ratio ? |
1.03%
-50.7% YoY
-17.3% QoQ
|
+0.39% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
9.41%
-8.9% YoY
-2.0% QoQ
|
-6.42% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.6% in tier |
| Non-Interest Income / Assets ? |
0.45%
-5.4% YoY
-66.2% QoQ
|
+0.17% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Top 3.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.