FDIC Cert #14705 · Dewitt, Iowa · Est. 1933

DeWitt Bank & Trust Co. - FDIC Bank Health Profile

A community-scale look at DeWitt Bank & Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$257M
Total assets
B
Health grade · Good
1.55%
Return on assets
9.6%
Tier 1 capital

Data updated July 2026

The verdict

DeWitt Bank & Trust Co. earns a PlainBankData health grade of B (67/100), with 9.61% Tier 1 capital, profitable at 1.55% ROA, 64% efficiency ratio.

#2,705
largest of 4,313 FDIC banks by assets
37th
percentile by asset size, nationally
9.61%
Tier 1 ratio - below the 10% well-capitalized line
76th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 14705 · IA B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3232/4307
  • PHOTO-FINISH TrustBank · IL
  • TIER1-ADEQ 9.6% Tier 1
  • TEXAS-CLEAN 13.4% Texas
  • ROA-STRONG 1.55% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: TrustBank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around DeWitt Bank & Trust Co.

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100DeWitt Bank & Trust… · IA · …67/100Louisiana National B… · LA ·…67/100Spur Security Bank · TX · ne…67/100The Union Banking Co… · OH ·…67/100TrustBank · IL · near67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around DeWitt Bank & Trust Co. · July 2026

What DeWitt Bank & Trust Co.'s Call Report plate shows

DeWitt Bank & Trust Co. (FDIC Cert #14705) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,232 of 4,307. Tier 1 capital prints at 9.61%, missing the 10% well-capitalized line. The Texas Ratio is 13.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.55%. Balance-sheet scale is $257M, 2,705th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is TrustBank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around DeWitt Bank & Trust Co.

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

DeWitt Bank & Trust Co.'s home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; DeWitt Bank & Trust Co. remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How DeWitt Bank & Trust Co.'s 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
DeWitt Bank & Trust Co.'s composite health score
Tier 1 Capital Ratio (9.61%) 18/40
Return on Assets (ROA) (1.55%) 25/25
Texas Ratio (13.44%) 16/20
Efficiency Ratio (64.41%) 8/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$257M

Total balance-sheet footings

Total Deposits

$223M

Customer-funded liabilities

Net Loans

$202M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.21% 9.61% 11.01%
Basel III capital ratios - DeWitt Bank & Trust Co.

Where DeWitt Bank & Trust Co. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. DeWitt Bank & Trust Co.'s score of 67/100 falls in the highlighted band.

DeWitt Bank & Trust Co.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 25th percentile higher than 25% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. DeWitt Bank & Trust Co. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

DeWitt Bank & Trust Co.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). DeWitt Bank & Trust Co.'s $257M falls in the highlighted band.

Safety ratios for DeWitt Bank & Trust Co.

Tier 1 capital ratio
Well-capitalized 10%

9.61% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.61%
Texas Ratio
13.44%
Equity Capital
$21M

What these ratios mean →

Earnings posture at DeWitt Bank & Trust Co.

Return on Assets (ROA)
76th percentile nationally
1.55%
Return on Equity (ROE)
19.81%
Efficiency Ratio
64.41%

What these mean →

Income & expense at DeWitt Bank & Trust Co.

$14M
Interest Income
$3M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. DeWitt Bank & Trust Co. reports a Texas Ratio of 13.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View DeWitt Bank & Trust Co. on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($257M here), outside Iowa so the neighborhood is not state containment.

The Peoples Bank $257M · GA Security Bank, s.b. $257M · IL Community Bank of the South $257M · FL VisionBank $257M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) DeWitt Bank & Trust Co. (FDIC Cert #14705) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

DeWitt Bank & Trust Co. Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%