BlastPoint's Banking Scorecard

Decorah Bank & Trust Company

$100M-$1B Specialty: Agricultural IA FDIC cert 15200

Decorah, IA

3 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 +8.8% year over year ($694.7M on the books).
Delinquency rate 0.49%.
Return on assets 1.67%.
Efficiency ratio 57.35% vs a 64.48% peer average.
Loan-to-deposit ratio 82.01% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

Decorah Bank & Trust Company has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.34% above tier average
+ Efficiency Ratio 7.13% below tier average
+ Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 36.2% in tier
- Credit Quality Pressure: Bottom 49.0% in tier
- Net Interest Margin 0.11% below tier average

Get updates when Decorah Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$794.1M +7.1% YoY +1.8% QoQ	+$407.6M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Top 8.3% in tier
Total Loans ?	$569.7M +5.0% YoY +1.0% QoQ	+$311.4M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Top 7.2% in tier
Total Deposits ?	$694.7M +8.8% YoY +2.2% QoQ	+$367.9M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Top 7.1% in tier
Return on Assets ?	1.67% +6.6% YoY +9.9% QoQ	+0.34%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	3.88% +4.5% YoY +0.9% QoQ	-0.11%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	46%
Efficiency Ratio ?	57.35% -6.2% YoY -5.5% QoQ	-7.13%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	0.49% +296.6% YoY +142.0% QoQ	-0.42%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	46%
Loan-to-Deposit Ratio ?	82.01% -3.5% YoY -1.2% QoQ	+4.06%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	45%
Non-Interest-Bearing Deposit Share ?	17.28% +0.1% YoY -3.6% QoQ	-4.75%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.41% +351.7% YoY +99.8% QoQ	-0.26%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	44%
Tier 1 Capital Ratio ?	13.13% -2.2% YoY -0.6% QoQ	-2.78%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.40% -1.7% YoY +96.9% QoQ	-0.17%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	85%

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	17.3% 0.0pp YoY -0.6pp QoQ	-4.9pp	22.1%	17.8%	22.2%	33%
Brokered Deposits	0.5% -0.8pp YoY 0.0pp QoQ	-7.4pp	7.9%	6.0%	8.5%	11%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	20.1% +0.8pp YoY +0.9pp QoQ	+8.6pp	11.6%	12.8%	12.5%	88%
CRE	29.0% +3.0pp YoY +1.4pp QoQ	-10.6pp	39.5%	28.3%	41.4%	33%
1-4 Family	18.4% +0.5pp YoY 0.0pp QoQ	-14.2pp	32.6%	23.0%	31.3%	27%
Consumer	7.6% -1.5pp YoY -0.3pp QoQ	+3.4pp	4.1%	2.9%	5.0%	87%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	13.1% -0.3pp YoY -0.1pp QoQ	-5.7pp	18.8%	15.4%	19.7%	30%
Leverage Ratio	10.4% -0.4pp YoY -0.1pp QoQ	-1.8pp	12.2%	12.4%	12.6%	39%
Total Capital Ratio	14.4% -0.3pp YoY -0.1pp QoQ	-5.6pp	19.9%	16.5%	20.8%	31%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	113 -2 (-1.7%) YoY -3 (-2.6%) QoQ	+54	58	64	482	91%
Assets per Employee ($)	$7.0M +9.0% YoY +4.5% QoQ	-$491K	$7.5M	$8.9M	$8.8M	53%
Branch Count	3 0 YoY 0 QoQ	-2	4	5	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	28%
Nonaccrual	0.5% +0.3pp YoY +0.3pp QoQ	-0.5pp	0.9%	1.0%	1.0%	51%
Allowance Coverage	3.10x -74.9% YoY -57.7% QoQ	-21.06x	24.15x	18.97x	20.23x	60%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	75%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	16.3% +1.0pp YoY +1.5pp QoQ	+4.1pp	12.2%	12.8%	11.6%	74%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	58%
Net Income ($, YTD)	$6.5M +14.7% YoY — QoQ	+$4.0M	$2.6M	$4.0M	$40.4M	94%

Get Full Access to Decorah Bank & Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#340 of 936 • Bottom 36.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#616 of 1256 • Bottom 49.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.49%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

188

Total Deposits

size

Value: $694.68M

Peer Median: $326.73M

#188 of 2643 Top 7.1% in $100M-$1B

192

Total Loans

size

Value: $569.71M

Peer Median: $258.35M

#192 of 2643 Top 7.2% in $100M-$1B

220

Total Assets

size

Value: $794.12M

Peer Median: $386.57M

#220 of 2643 Top 8.3% in $100M-$1B

402

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.57%

#402 of 2643 Top 15.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available