Bank call report · Decorah, IA
Decorah Bank and Trust Company Call Report
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Decorah Bank and Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 437 reported line items, schedule by schedule (812 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 872047 |
| FDIC certificate number | 15200 |
| Total assets | $794.1M |
Official Q2 2026 call report PDF (FFIEC) →
Decorah Bank and Trust Company call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (30 items)
About Schedule RC · Decorah Bank and Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $794.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $794.1M |
| Total Liabilities and Minority Interest | RCON2948 | $713.7M |
| Total Deposits | RCON2200 | $694.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $578.4M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $574.6M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $569.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $125.1M |
| Deposits: Noninterest-bearing | RCON6631 | $120.0M |
| Total Equity Capital | RCON3210 | $80.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $80.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $61.3M |
| Held-to-maturity Securities, Total | RCON1754 | $27.4M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $27.4M |
| Surplus | RCON3839 | $25.1M |
| Interest-bearing Balances | RCON0071 | $24.7M |
| Other Assets | RCON2160 | $19.1M |
| Other Borrowed Money | RCON3190 | $11.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $9.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $8.7M |
| Intangible Assets | RCON2143 | $7.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $7.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$6.9M |
| Goodwill | RCON3163 | $5.8M |
| Other Liabilities, Total | RCON2930 | $5.4M |
| Federal Funds Sold | RCONB987 | $3.7M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $2.3M |
| Common Stock | RCON3230 | $1.0M |
| Other Real Estate Owned | RCON2150 | $456K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $83K |
Schedule RI: Income Statement (49 items)
About Schedule RI · Decorah Bank and Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $21.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $18.0M |
| Net Interest Income | RIAD4074 | $14.3M |
| Total Noninterest Expense | RIAD4093 | $10.0M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $7.7M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $6.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $6.8M |
| Total Interest Expense | RIAD4073 | $6.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $6.5M |
| Net Income (Loss) | RIAD4340 | $6.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $6.5M |
| Salaries and Employee Benefits | RIAD4135 | $6.4M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.7M |
| Total Noninterest Income | RIAD4079 | $3.2M |
| Other Noninterest Expense | RIAD4092 | $3.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.5M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $2.2M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $2.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.4M |
| Interest on Other Securities | RIAD4060 | $1.3M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.2M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $855K |
| Provision for Loan and Lease Losses | RIAD4230 | $830K |
| Other Noninterest Income | RIADB497 | $767K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $682K |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $615K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $560K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $495K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $467K |
| Net Servicing Fees | RIADB492 | $465K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $369K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $304K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $302K |
| Applicable Income Taxes | RIAD4302 | $286K |
| Fees and Commissions from Annuity Sales | RIADC887 | $237K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $138K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $129K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $82K |
| Other Interest Income | RIAD4518 | $46K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $39K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $34K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $23K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $15K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $2K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 113 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $34.0M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $25.9M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $4.9M |
| Currency and Coin | RCON0080 | $3.3M |
Schedule RC-B: Securities (39 items)
About Schedule RC-B · Decorah Bank and Trust Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $2.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $2.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $30.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $29.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $5.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $5.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $128.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $51.2M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $49.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $49.1M |
| Pledged Securities | RCON0416 | $31.3M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $27.4M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $26.8M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $26.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $25.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $24.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $24.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $24.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $18.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $15.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $7.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $6.9M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $6.2M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $5.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $5.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $5.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $3.6M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.2M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $1.8M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $1.8M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $1.7M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $1.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $1.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $1.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $1.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $954K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $106K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $60K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $2K |
Schedule RC-C, Part I: Loans and Leases (39 items)
About Schedule RC-C, Part I · Decorah Bank and Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $578.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $151.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $138.7M |
| Pledged Loans and Leases | RCONG378 | $135.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $121.1M |
| Commercial and Industrial Loans | RCON1766 | $114.7M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $114.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $89.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $81.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $78.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $73.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $66.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $60.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $58.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $51.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $39.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $38.1M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $37.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $37.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $22.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $18.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $16.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $9.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $9.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $8.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $7.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $5.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $3.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $3.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.0M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $514K |
| Itemize Loans Secured by Farmland That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK166 | $415K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $415K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $288K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $99K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $41K |
| Other Loans | RCONJ464 | $41K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $26K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $9K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $25.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $21.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $10.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $8.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $6.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $5.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $4.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $4.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $4.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $2.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $517K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 227 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 123 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 91 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 72 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 64 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 58 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 47 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 46 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 44 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 33 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 29 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 15 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · Decorah Bank and Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $471.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $410.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $222.8M |
| Total Transaction Accounts | RCON2215 | $222.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $205.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $199.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $138.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $93.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $86.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $74.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $64.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $61.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $60.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $51.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $45.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $44.5M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $22.9M |
| Total reciprocal deposits | RCONJH83 | $14.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $13.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $13.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $9.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $7.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $4.8M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $4.5M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $4.5M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $3.2M |
| Total Brokered Deposits | RCON2365 | $3.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $964K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $742K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $10.4M |
| Accrued Interest Receivable | RCONB556 | $6.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.3M |
| Other Assets | RCON2168 | $1.1M |
| Prepaid Expenses | RCON2166 | $981K |
| Net Deferred Tax Assets | RCON2148 | $194K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $2.4M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.7M |
| All Other Liabilities | RCON2938 | $888K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $688K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $397K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · Decorah Bank and Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $791.3M |
| Quarterly Average of Total Loans | RCON3360 | $574.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $280.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $241.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $147.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $104.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $101.3M |
| All Other Securities | RCONB560 | $81.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $81.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $74.5M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $61.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $44.1M |
| Mortgage-backed Securities | RCONB559 | $39.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $32.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $26.7M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $12.3M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $2.4M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $1.4M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (12 items)
About Schedule RC-L · Decorah Bank and Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $68.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $32.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $24.4M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $13.8M |
| Interest Rate Forward Contracts | RCON8697 | $9.0M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $9.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $5.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4.1M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $3.2M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $1.6M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $1.6M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $244K |
Schedule RC-M: Memoranda (10 items)
About Schedule RC-M · Decorah Bank and Trust Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $5.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $5.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $5.0M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $1.8M |
| Mortgage Servicing Assets | RCON3164 | $1.8M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $1.2M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $456K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $223K |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $17K |
| All other intangible assets | RCONJF76 | $16K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (18 items)
About Schedule RC-N · Decorah Bank and Trust Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.7M |
| Additions to Nonaccrual Assets | RCONC410 | $2.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.5M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.2M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $887K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $671K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $446K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $216K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $144K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $98K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $46K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 90 Days or More and Still Accruing | RCONK037 | $39K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $37K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 90 Days or More and Still Accruing | RCONK040 | $35K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $34K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $32K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $15K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Decorah Bank and Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $791.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $696.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $401.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $281.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $82.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $12.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 26,534 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 609 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 356 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 4 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Decorah Bank and Trust Company regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · Decorah Bank and Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $791.3M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $785.8M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $623.5M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $89.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $81.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $81.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $81.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $80.4M |
| Retained Earnings | RCOAKW00 | $61.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $26.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $7.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $7.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $7.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$6.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $5.5M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $5.5M |
| Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP848 | -$3.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$3.0M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $16K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1438 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1313 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1313 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1041 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0638 |
Schedule RC-R, Part II: Risk-Weighted Assets (75 items)
About Schedule RC-R, Part II · Decorah Bank and Trust Company risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $624.8M |
| Total Risk-weighted Assets | RCONG641 | $623.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $533.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $533.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $524.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $466.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $464.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $179.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $158.4M |
| Unconditionally Cancellable Commitments | RCONS540 | $134.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $125.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $108.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $98.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $90.5M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $90.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $77.2M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $45.3M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $35.9M |
| Total All Other Assets | RCOND981 | $34.1M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $34.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $30.8M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $28.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $28.2M |
| Total Held-to-maturity Securities | RCOND961 | $27.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $25.9M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $23.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $23.5M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $21.5M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $21.5M |
| All Other Off- Balance Sheet Liabilities - 20 Pct Risk Weight Category | RCONG621 | $21.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $14.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $10.2M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$10.1M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $9.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $9.0M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $9.0M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $9.0M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $9.0M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $5.8M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $5.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $5.4M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $4.6M |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$4.1M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $3.7M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $3.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $3.6M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $3.6M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$3.2M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $3.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2.5M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.5M |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $2.3M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $2.3M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $2.3M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $2.1M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $1.8M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $1.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $1.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $1.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $1.5M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $1.1M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $1.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $964K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $724K |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $225K |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $205K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $205K |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $181K |
| All Other Off- Balance Sheet Liabilities - 50 Pct Risk Weight Category | RCONG622 | $157K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $127K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS441 | $70K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $29K |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $18K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $18K |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $18K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $235.5M |
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $65.0M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - All Other Loans | RCONB796 | $20.2M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: All Other Loans | RCONB803 | $20.2M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $1.7M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $1.7M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $1.6M |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $462K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $80.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $79.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $79.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $5.3M |
| Other Comprehensive Income | RIADB511 | -$306K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (15 items)
About Schedule RI-B, Part I · Decorah Bank and Trust Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $327K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $122K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $114K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $72K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $52K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $36K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $34K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $14K |
| Charge-offs on Automobile Loans | RIADK129 | $11K |
| Charge-offs on All Other Loans | RIAD4644 | $8K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $3K |
| Recoveries on All Other Loans | RIAD4628 | $2K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $1K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $1K |
| Recoveries on Automobile Loans | RIADK133 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Decorah Bank and Trust Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $8.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $8.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $327K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$147K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $13K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $12K |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | -$1K |
Schedule RI-E: Explanations (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $1.3M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $490K |
| Marketing and Other Professional Services | RIAD0497 | $375K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $259K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $186K |
Decorah Bank and Trust Company call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Decorah Bank and Trust Company call report?
The Decorah Bank and Trust Company call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Decorah Bank and Trust Company file?
Decorah Bank and Trust Company files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Decorah Bank and Trust Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Decorah Bank and Trust Company has Federal Reserve RSSD ID 872047 and FDIC certificate number 15200. Either one finds its filings on the FFIEC Central Data Repository.
How often does Decorah Bank and Trust Company file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Decorah Bank and Trust Company financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 15200) · FFIEC NIC profile (RSSD 872047)