This institution is no longer active

Operations ceased on October 6, 2023. CRA examination history below reflects the period it was active.

DUBUQUE BANK AND TRUST COMPANY

DUBUQUE, IA · Supervised by FDIC

Est. 1935FDIC #15,219RSSD: FDIC-15219

Part ofHEARTLAND FINANCIAL USA INC→ View all charters

Satisfactory Same

Current rating · Exam: October 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.10%

Is this bank safe?

DUBUQUE BANK AND TRUST COMPANY holds a Satisfactory CRA rating (2019), is financially strong (ROA +1.10%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

700 Locust St, DUBUQUE, IA

County

Dubuque County

Established

July 3, 1935

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2019

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2023Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.7B

Net Loans

$924M

Net Income

$17M

ROA

1.10%

Above avg for Community banks. Peer avg: 0.90%

ROE

18.24%

Risk-Based Capital

15.94%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.10%Peer avg: 0.90%▲ Above avg

Risk-Based Capital15.94%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate18.71%Peer avg: 10.20%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	155	67.1%	18.71%
2021	198	72.73%	14.14%
2020	50	66%	10.00%
2019	149	48.32%	14.77%
2018	3,014	68.61%	9.85%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 2019	Satisfactory	Large Bank
Oct 2016	Satisfactory	Large Bank
Feb 2014	Satisfactory	Large Bank

10 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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