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Decorah Bank & Trust Company

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Decorah Bank & Trust Company Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Decorah Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 26, 2026

You can compare Decorah Bank & Trust Company rates to other rates in our database, including 12-month CD rates currently at 1.25%, 6-month CD rates at 0.40% and 3-month CD rates at 0.05%. Savings rates are at 0.25% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to Decorah Bank & Trust Company rates. MonitorBankRates evaluates the financial stability of Decorah Bank & Trust Company with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.05%. Rates were last updated on 04/26/2026.

Decorah Bank & Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Decorah Bank & Trust Company? Share your experience about Decorah Bank & Trust Company by leaving a review below, or read customer reviews before you decide to use Decorah Bank & Trust Company.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.05%

Excellent Higher than avg

Decorah Bank & Trust Company

202 E Water St
Decorah, IA 52101

https://www.decorah.bank

Current Rate Availability

We do not have Decorah Bank & Trust Company rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Decorah Bank & Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Decorah Bank & Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Decorah Bank & Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Decorah Bank & Trust Company

Bank Holding Company SECURITY AGENCY INC

Address 202 E Water St, Decorah, IA 52101 · Winneshiek

Website https://www.decorah.bank

FDIC Certificate # 15200

Established 06/10/1935

FDIC Insurance Date 06/28/1935

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8832%

Return on Equity (ROE) 9.0900%

Non-Performing Loans (NPL) 0.68%

Total Assets $770,875,000

Total Deposits $666,664,000

Equity Capital $79,532,000

Net Income $13,063,000

Headquarters Decorah

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for Decorah Bank & Trust Company yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About Decorah Bank & Trust Company

Is Decorah Bank & Trust Company a safe place to deposit money?

Yes, Decorah Bank & Trust Company is considered a safe financial institution. With a Texas Ratio of 8.0515322692361%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Decorah Bank & Trust Company operate?

Decorah Bank & Trust Company currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Decorah Bank & Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Decorah Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Decorah Bank & Trust Company offer online and mobile banking?

Most modern institutions like Decorah Bank & Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.decorah.bank.