Dewitt Bank&Trust Co
Dewitt, Iowa · FDIC Cert #14705
Dewitt Bank&Trust Co is an FDIC-insured bank (Certificate #14705) with $239M in total assets and $211M in total deposits as of the Q2 2024 Call Report. Headquartered in Dewitt, Iowa, the bank maintains a Tier 1 capital ratio of 10.44% (Well-Capitalized) and a nonperforming loan ratio of 3.12%. BankHealthData assigns a composite Health Grade of C (55/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Dewitt Bank&Trust Co (FDIC cert 14705) is a community bank — $239M in total assets, $211M in deposits, serving the Dewitt, Iowa area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.44% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 3.12% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 20.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.96% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Dewitt Bank&Trust Co carries a composite BankHealth grade of C (55/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Dewitt Bank&Trust Co
- Total Assets
- $239M
- Total Deposits
- $211M
- Tier 1 Capital Ratio
- 10.44%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.12%
- Liquidity Ratio
- 20.38%
- Return on Assets
- 0.96%
- Headquarters
- Dewitt, Iowa
- FDIC Certificate
- #14705
- Health Grade
- C (55/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Dewitt Bank&Trust Co holds a Tier 1 capital ratio of 10.44%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Dewitt Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Dewitt Bank&Trust Co shows average financial health. While not alarming, its Health Score of 55/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Dewitt Bank&Trust Co Compares
Dewitt Bank&Trust Co’s Health Score of 55 is 13 points below the Iowa state average of 68 across 162 FDIC-insured banks. Its 10.44% Tier 1 capital ratio is 3.6 points below the US banking industry average near 14%. The 3.12% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.96% is below the national ROA benchmark of ~1.1%. Among 1567 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Dewitt Bank&Trust Co is 15 points below the portfolio average of 70.
Frequently Asked Questions
Dewitt Bank&Trust Co has a Bank Health Score of C (55/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.44%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Dewitt Bank&Trust Co's Tier 1 capital ratio of 10.44% and nonperforming loan ratio of 3.12% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Dewitt Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #14705). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Dewitt Bank&Trust Co holds $239M in total assets and $211M in total deposits. It is headquartered in Dewitt, Iowa (FDIC Certificate #14705).
Dewitt Bank&Trust Co has a Tier 1 capital ratio of 10.44%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.12%, and the return on assets is 0.96%.
Yes. Dewitt Bank&Trust Co is FDIC-insured (Certificate #14705). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Dewitt Bank&Trust Co's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.