Dewitt Bank & Trust Co.
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Data as of · sourced from FFIEC call reports. How we update
Dewitt Bank & Trust Co. is an FDIC-insured commercial bank headquartered in De Witt, IA, established in 1933 (FDIC certificate 14705), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $277.3M, up 8.7% from Q2 2025, the 111th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.40% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14705
- Headquarters
- De Witt, IA
- Established
- 1933
- Total assets, Q2 2026
- $277.3M
- Assets vs Q2 2025
- +8.7%
- Tier 1 leverage ratio, Q2 2026
- 9.40%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073904638
- Holding company
- DEWITT BANCORP, INC.
- Asset rank in state
- 111th of 225 in Iowa
Dewitt Bank & Trust Co., based in De Witt, Iowa, reported $277 million in assets at June 30, 2026, up 8.7% from a year earlier. It grew its loan book 17.8% over the year, about triple the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 19.6% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Loans are outrunning deposits: over the year loans rose 17.8% and deposits rose 8.6%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.26% of loans, down from 1.83% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.9% of the capital and reserves that would absorb them, 4.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Dewitt Bank & Trust Co. reported a return on assets of 1.63%, a nonperforming-loan ratio of 1.26% and a Texas ratio of 10.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Dewitt Bank & Trust Co. is the 111th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $277.3M, loans rose 1.5% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 20.5% of total loans, followed by agricultural production loans at 20.3%. The FDIC Summary of Deposits lists 2 offices for it, in Dewitt, IA and Wilton, IA; its Dewitt office books 83% of its branch deposits. By the capital ratios in its Q2 2026 call report, Dewitt Bank & Trust Co. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 815 6th Ave, De Witt, IA 52742
- County
- Clinton
- Metro Area
- Clinton, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- June 15, 1933
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $247.7M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $274.8M
- Average total loans
- $217.4M
- Average interest-bearing deposits
- $220.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 27, 1934
- FDIC Cert
- 14705
- Fed RSSD
- 668147
- Website
- WWW.DEWITTBANK.COM →
- Parent Holding Company
- DEWITT BANCORP, INC. (RSSD 1205576)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Dewitt Bank & Trust Co. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Dewitt Bank & Trust Co.'s total assets moved between a low of $238.5M (Q2 2024) and a high of $277.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$277.3M total assets against $255.1M; $254.1M total liabilities against $235.2M.
$219.7M net loans and leases against $186.5M; $247.7M total deposits against $228.2M.
$40.4M securities against $42.3M; $5.0M cash and balances due against $14.8M.
$3.9M total interest income against $4.0M; $1.4M total interest expense against $1.4M.
$2.5M net interest income against $2.5M.
$771K total noninterest income against $824K; $1.9M total noninterest expense against $1.9M.
$150K provision for credit losses against $0.
$1.1M net income against $1.4M.
1.63% return on assets against 2.19%; 3.74% net interest margin against 4.26%.
9.40% tier 1 leverage ratio against 9.36%.
Inside the full Dewitt Bank & Trust Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDewitt Bank & Trust Co. rankings
Its closest position to the top of a national ranking is 563 of 3,640, for Texas Ratio; its furthest is 2,569 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.60% (Q4 2024) to 2.19% (Q2 2025) and its net interest margin ran from 3.06% (Q1 2025) to 4.26% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.40% | 1.63% | 1.26% | 10.90% | 3.74% |
| Q1 2026 | 9.41% | 1.98% | 1.29% | 11.53% | 3.64% |
| Q4 2025 | 9.61% | 1.41% | 1.56% | 13.55% | 3.75% |
| Q3 2025 | 9.34% | 1.25% | 1.81% | 15.20% | 3.42% |
| Q2 2025 | 9.36% | 2.19% | 1.83% | 15.74% | 4.26% |
| Q1 2025 | 9.09% | 1.35% | 2.75% | 24.78% | 3.06% |
| Q4 2024 | 9.11% | 0.60% | 2.90% | 26.37% | 3.11% |
| Q3 2024 | 9.51% | 0.92% | 2.96% | 25.64% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dewitt Bank & Trust Co. (main office) | Dewitt , IA | 52742 | $204.7M |
| Wilton Branch | Wilton , IA | 52778 | $43.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 115 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $340K approved, $340K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Dewitt Bank & Trust Co.
What are Dewitt Bank & Trust Co.'s total assets?
As of the Q2 2026 filing, Dewitt Bank & Trust Co. reported total assets of $277.3 million in its FFIEC call report.
Where is Dewitt Bank & Trust Co. headquartered?
It is headquartered in De Witt, IA, United States.
When was Dewitt Bank & Trust Co. founded?
It was established in 1933, per the FDIC institution directory.
Is Dewitt Bank & Trust Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14705). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dewitt Bank & Trust Co.?
Dewitt Bank & Trust Co.'s primary federal regulator is the FDIC.
How many branches does Dewitt Bank & Trust Co. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dewitt Bank & Trust Co.'s Texas Ratio?
Its Texas Ratio is 10.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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