Decorah Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Decorah Bank and Trust Company of Decorah, IA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.81% | 1.34% | +0.47% | 78th top |
| ROAE | 17.92% | 13.31% | +4.61% | 80th top |
| Net Interest Margin | 3.93% | 3.93% | +0.00% | 49th below |
| Efficiency Ratio | 53.15% | 61.15% | -8.00% | 74th above |
| PPNR / Avg Assets | 2.06% | 1.68% | +0.38% | 74th above |
| Yield on Earning Assets | 5.71% | 5.67% | +0.04% | 55th above |
| Cost of Funds | 1.93% | 1.88% | +0.05% | 42nd below |
| Net Interest Spread | 3.38% | 3.32% | +0.06% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.55% | 0.94% | -0.39% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.46% | 0.70% | -0.24% | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans | 1.51% | 1.28% | +0.23% | 79th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 273.63% | 1539.74% | -1266.11% | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.54% | 7.33% | -2.79% | 44th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 325.49% | 1396.74% | -1071.25% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.13% | 19.51% | -6.38% | 30th below |
| Tier 1 Ratio | 13.13% | 19.54% | -6.41% | 30th below |
| Total Capital Ratio | 14.38% | 20.63% | -6.25% | 31st below |
| Leverage Ratio | 10.41% | 12.14% | -1.73% | 40th below |
| Equity / Assets | 10.13% | 11.38% | -1.25% | 47th below |
| TCE / Tangible Assets | 9.47% | 11.09% | -1.62% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.26% | 80.63% | +2.63% | 44th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.85% | 86.86% | +1.99% | 49th below |
| Wholesale Funding Ratio | 1.71% | 5.04% | -3.33% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.13% | 6.85% | +0.28% | 70th above |
| Loan Growth (Y/Y) | 5.00% | 7.90% | -2.90% | 48th below |
| Deposit Growth (Y/Y) | 8.80% | 6.29% | +2.51% | 79th top |
See Decorah Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Decorah Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Decorah Bank and Trust Company profile, how to read a UBPR, or how this data updates.