Decorah Bank & Trust Company


Decorah Bank & Trust Company is an FDIC insured institution headquartered at 202 E Water St, Decorah, IA 52101.
It was founded in 1935 and has approximately $1 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - October 30, 2025

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.15% $10,000 Compare
6 Mo CD
0.15% $100,000 Compare
Special: 11 Mo CD
1.50% $1,000 Compare
12 Mo CD
0.20% $10,000 Compare
12 Mo CD
0.20% $100,000 Compare
24 Mo CD
0.20% $10,000 Compare
24 Mo CD
0.20% $100,000 Compare
36 Mo CD
0.20% $10,000 Compare
36 Mo CD
0.20% $100,000 Compare
48 Mo CD
0.30% $10,000 Compare
48 Mo CD
0.30% $100,000 Compare
60 Mo CD
0.45% $10,000 Compare
60 Mo CD
0.45% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.10% $25,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
0.20% $1
INT CHECKING RATES APY MIN
Int Ckg
0.05% $1
Int Ckg
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15200
Date Established 1935
Assets $ 741.25 million
Loans $ 542.54 million
Deposits $ 638.49 million
Capital $ 74.91 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 10.47 million
Interest-bearing balances $ 0.44 million
Total securities $ 154.95 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 542.54 million
Loan loss allowance $ 8.34 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 7.83 million
All other assets $ 15.61 million
     Total Assets $ 666.34 million

LIABILITIES
Total deposits $ 638.49 million
      Interest-bearing deposits $ 528.22 million
      Deposits held in domestic offices $ 638.49 million
      % insured (estimated)" 75.43%
Federal funds purchased and repurchase agreements $ 5.65 million
Trading liabilities N.A.
Other borrowed funds $ 6.84 million
Subordinated debt N.A.
All other liabilities $ 3.34 millionn
      Total Liabilities $ 666.34 million
      Shareholders’ Equity $ 74.91 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 19.57 million
Total Interest Expense $ 6.86 million
Net interest income $ 12.70 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 3.00 million
Total non interest expense $ 9.60 million
Pre-tax Net Operating Income $ 4.07 million

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Decorah Bank & Trust Company Locations