Total Assets
$257M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$223M
Customer-funded liabilities
Net Loans
$202M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
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.'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 metrics
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
Profitability metrics
Return on Assets (ROA)
76th percentile nationally
1.55%
Return on Equity (ROE)
19.81%
Efficiency Ratio
64.41%
What the numbers say about DeWitt Bank & Trust Co.
DeWitt Bank & Trust Co. is an FDIC-insured institution (Certificate #14705) headquartered in Dewitt, Iowa, established in 1933. It holds $257M in total assets - 2,705th of 4,313 FDIC-insured banks, $223M in customer deposits, and $202M in net loans. Looking at capital strength, Tier 1 stands at 9.61%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 13.44%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Iowa, DeWitt Bank & Trust Co. ranks 124th of 230 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Iowa by total assets
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.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is DeWitt Bank & Trust Co.'s health grade?▼
DeWitt Bank & Trust Co. receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is DeWitt Bank & Trust Co.?▼
DeWitt Bank & Trust Co. holds $257M in total assets and $223M in deposits, ranking 2,705th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dewitt, Iowa.
Is my money safe at DeWitt Bank & Trust Co.?▼
Yes, deposits at DeWitt Bank & Trust Co. (Certificate #14705) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is DeWitt Bank & Trust Co.'s Tier 1 Capital Ratio?▼
DeWitt Bank & Trust Co. has a Tier 1 Capital Ratio of 9.61%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for DeWitt Bank & Trust Co.?▼
DeWitt Bank & Trust Co. has a Texas Ratio of 13.44%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is DeWitt Bank & Trust Co.?▼
DeWitt Bank & Trust Co. has an Efficiency Ratio of 64.41%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read DeWitt Bank & Trust Co.'s profile as a depositor or analyst.
- DeWitt Bank & Trust Co.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare DeWitt Bank & Trust Co. against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.