Headquartered in Decorah, Iowa, Decorah Bank & Trust Company is a state-chartered bank with $794.1M in total assets and $694.7M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1935.
Based on its Q2 2026 filing, Decorah Bank & Trust Company scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 96th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is capital cushion (54/100; 10.41%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (77 → 74), mostly because the loan quality component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 67 |
| Q4 2024 | 77 |
| Q1 2025 | 75 |
| Q2 2025 | 77 |
| Q3 2025 | 69 |
| Q4 2025 | 75 |
| Q1 2026 | 75 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.91% |
| Q3 2024 | 10.95% |
| Q4 2024 | 11.20% |
| Q1 2025 | 10.80% |
| Q2 2025 | 10.80% |
| Q3 2025 | 10.65% |
| Q4 2025 | 10.58% |
| Q1 2026 | 10.53% |
| Q2 2026 | 10.41% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.49% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.56% |
| Q3 2025 | 1.37% |
| Q4 2025 | 1.76% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $794.1M | 10.41% | 0.49% | 1.67% | 82.0% |
| Q1 2026 | 75 | $779.9M | 10.53% | 0.20% | 1.52% | 83.0% |
| Q4 2025 | 75 | $770.9M | 10.58% | 0.52% | 1.76% | 85.0% |
| Q3 2025 | 69 | $750.5M | 10.65% | 0.75% | 1.37% | 86.4% |
| Q2 2025 | 77 | $741.3M | 10.80% | 0.12% | 1.56% | 85.0% |
| Q1 2025 | 75 | $729.8M | 10.80% | 0.13% | 1.25% | 83.8% |
| Q4 2024 | 77 | $709.5M | 11.20% | 0.14% | 1.32% | 87.7% |
| Q3 2024 | 67 | $702.3M | 10.95% | 0.93% | 1.16% | 85.7% |
| Q2 2024 | 65 | $713.8M | 10.91% | 1.00% | 1.01% | 85.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| City State BankBank Norwalk, IA | 72 out of 100, Strong | $787.9M | 9.4% | 0.27% | vs |
| PrimebankBank Le Mars, IA | 61 out of 100, Moderate | $800.6M | 11.0% | 1.86% | vs |
| CUSB BankBank Cresco, IA | 74 out of 100, Strong | $812.1M | 12.3% | 0.65% | vs |
| First Central State BankBank Dewitt, IA | 83 out of 100, Strong | $772.4M | 13.4% | 0.21% | vs |
| Midwest Heritage Bank, FSBBank West Des Moines, IA | 68 out of 100, Moderate | $768.3M | 12.8% | 1.78% | vs |
| Premier BankBank Rock Valley, IA | 60 out of 100, Moderate | $826.5M | 9.5% | 1.51% | vs |
Deposit insurance
Is my money safe at Decorah Bank & Trust Company?
Yes. Decorah Bank & Trust Company is an FDIC-insured institution (FDIC certificate #15200). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.7% of deposits ($192.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.38% (benchmark: 10%).
3 locations
Branches
Decorah Bank & Trust Company lists 2 offices in 2 cities. Most locations:
- Cresco, IA (1)
- Decorah, IA (1)
Identity & history
Profile
- Legal name
- Decorah Bank & Trust Company
- Former names
- Security Trust & Savings Bank; Security Bank and Trust Company, Decorah, Iowa; Security Bank & Trust Company; Security Trust and Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15200
- RSSD ID
- 872047
- Primary regulator
- FDIC
- Holding company
- Security Agency Inc
- Established
- June 10, 1935
- Headquarters
- 202 E Water St, Decorah, IA 52101
- Website
- www.decorah.bank
- Employees
- 113
Quick answers
Decorah Bank & Trust Company: common questions
Is Decorah Bank & Trust Company FDIC insured?
Yes. Decorah Bank & Trust Company is an FDIC-insured institution (FDIC certificate #15200). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Decorah Bank & Trust Company's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Decorah Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #15200 in the FDIC failed bank list.
How many branches does Decorah Bank & Trust Company have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Decorah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank 1stBank West Union, IA | 91 out of 100, Very strong | $166.1M | 15.2% | 0.00% | vs |
| Citizens Savings BankBank Spillville, IA | 88 out of 100, Very strong | $151.1M | 15.5% | 0.05% | vs |
| Peoples State BankBank Prairie Du Chien, WI | 80 out of 100, Strong | $993.0M | 11.5% | 0.21% | vs |
| Kerndt Brothers Savings BankBank Lansing, IA | 79 out of 100, Strong | $347.2M | 10.9% | 0.65% | vs |
| Waukon State BankBank Waukon, IA | 78 out of 100, Strong | $426.9M | 10.4% | 0.00% | vs |
| Northeast Security BankBank Sumner, IA | 77 out of 100, Strong | $461.9M | 10.8% | 0.00% | vs |