The Bank
Total assets
$617.3M
▲ +6.8% YoY
Deposits
$540.5M
▲ +6.6% YoY
Loans
$370.3M
▲ +3.5% YoY
Offices
14
DECATUR INVESTMENT INC
ROA (annualized)
2.50%
peers 1.28%
ROE (annualized)
21.16%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | The Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.9% | +1.9 pts |
| Deposit growth (YoY) | +6.6% | +4.3% | +2.2 pts |
| Loan growth (YoY) | +3.5% | +5.3% | -1.9 pts |
| ROA | 2.50% | 1.28% | +1.2 pts |
| ROE | 21.2% | 12.4% | +8.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
Profile
- Established
- 1985
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- DECATUR INVESTMENT INC
- Specialization
- Agricultural Specialization
- Address
- 205 S Penn Ave, Oberlin, KS, 67749
- County
- Decatur
- Offices
- 14
- FDIC cert #
- 26522
- RSSD ID
- 333650
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $617.3M | $540.5M | $370.3M | $75.2M | $7.7M | 2.50% | 4.49% | 2.20% |
| Q1 2026 | $620.0M | $546.8M | $356.3M | $71.4M | $3.8M | 2.44% | 4.45% | 1.93% |
| Q4 2025 | $615.3M | $541.0M | $372.0M | $72.6M | $13.3M | 2.33% | 5.08% | 2.05% |
| Q3 2025 | $588.9M | $516.4M | $357.1M | $70.2M | $10.3M | 2.45% | 5.28% | 2.08% |
| Q2 2025 | $577.8M | $507.2M | $357.9M | $68.9M | $6.6M | 2.40% | 5.34% | 2.17% |
| Q1 2025 | $602.3M | $535.5M | $345.6M | $65.1M | $3.0M | 2.22% | 5.50% | 2.16% |
| Q4 2024 | $476.0M | $410.1M | $261.5M | $64.8M | $9.3M | 2.03% | 3.94% | 1.39% |
| Q3 2024 | $445.5M | $386.7M | $251.3M | $57.3M | $6.9M | 2.01% | 3.91% | 1.85% |
Loan mix (Q2 2026): real estate $236.0M · commercial $32.1M · consumer $5.5M · securities $119.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | The Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.50% | 1.28% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 21.2% | 12.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.89% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.9% | 61.2% | 3th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | The Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | The Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | The Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | The Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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