BlastPoint's Banking Scorecard
DeWitt Bank & Trust Co.
Dewitt, IA
2 branches across IA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +8.6% year over year ($247.7M on the books).
- Delinquency rate 1.27%.
- Return on assets 1.81%.
- Efficiency ratio 58.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.67% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
DeWitt Bank & Trust Co. has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 14.1% in tier
- + ROA 0.49% above tier average
- + Efficiency Ratio 6.26% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.22% below tier average
- - Delinquency Rate 0.35% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$277.3M
+8.7% YoY
+0.8% QoQ
|
-$109.2M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
42% |
| Total Loans ? |
$219.7M
+17.8% YoY
+1.4% QoQ
|
-$38.7M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$247.7M
+8.6% YoY
+0.5% QoQ
|
-$79.0M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
1.81%
+2.3% YoY
-9.3% QoQ
|
+0.49% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
3.76%
+1.3% YoY
+1.5% QoQ
|
-0.22% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
58.22%
-6.9% YoY
+1.7% QoQ
|
-6.26% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
1.27%
-31.2% YoY
-2.7% QoQ
|
+0.35% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
88.67%
+8.5% YoY
+0.9% QoQ
|
+10.72% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
10.68%
-9.3% YoY
-2.3% QoQ
|
-11.35% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.0% in tier |
| Nonperforming Asset Ratio ? |
1.01%
-25.5% YoY
-2.1% QoQ
|
+0.34% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
9.40%
-13.1% YoY
-0.2% QoQ
|
-6.51% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.2% in tier |
| Non-Interest Income / Assets ? |
0.73%
-8.3% YoY
+60.6% QoQ
|
+0.16% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Top 5.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
10.7%
-1.1pp YoY -0.3pp QoQ |
-11.5pp | 22.1% | 17.8% | 22.2% | 11% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.8%
+2.1pp YoY +2.2pp QoQ |
-0.8pp | 11.6% | 12.8% | 12.5% | 57% |
| CRE |
31.1%
+2.7pp YoY +0.1pp QoQ |
-8.5pp | 39.5% | 28.3% | 41.4% | 36% |
| 1-4 Family |
14.5%
-2.3pp YoY -0.4pp QoQ |
-18.1pp | 32.6% | 23.0% | 31.3% | 18% |
| Consumer |
2.1%
-0.4pp YoY -0.1pp QoQ |
-2.0pp | 4.1% | 2.9% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
9.4%
0.0pp YoY 0.0pp QoQ |
-2.8pp | 12.2% | 12.4% | 12.6% | 19% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
52
-2 (-3.7%) YoY 0 QoQ |
-7 | 58 | 64 | 482 | 56% |
| Assets per Employee ($) |
$5.3M
+12.9% YoY +0.8% QoQ |
-$2.2M | $7.5M | $8.9M | $8.8M | 20% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.3%
-0.5pp YoY 0.0pp QoQ |
+0.3pp | 0.9% | 1.0% | 1.0% | 77% |
| Allowance Coverage |
0.92x
+43.6% YoY +7.6% QoQ |
-23.23x | 24.15x | 18.97x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 32% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.9%
-1.5pp YoY -2.4pp QoQ |
+9.7pp | 12.2% | 12.8% | 11.6% | 92% |
| Cost of Funds (YTD) |
2.2%
-0.3pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.8% | 1.7% | 80% |
| Net Income ($, YTD) |
$2.4M
+9.2% YoY — QoQ |
-$109K | $2.6M | $4.0M | $40.4M | 61% |
Get Full Access to DeWitt Bank & Trust Co.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.