Dieterich Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Dieterich Bank. It reported $1.6 billion in assets at June 30, 2026, up 10.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.87% of loans from 0.39% a year earlier. It earns about $0.41 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 10.14% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
Delinquency has appeared in its $288 million non-owner-occupied commercial real estate book: 4.85% of those loans are past due or on nonaccrual, against almost none a year earlier. Earnings fell sharply: quarterly net income of $1.6 million was 43% below a year earlier. Credit is the area to watch: it carries problem assets equal to 21.0% of the capital and reserves that would absorb them, 5.9 times the median of 3.6% for banks its size.
As of June 30, 2026, Dieterich Bank reported a CET1 capital ratio of 10.14%, a return on assets of 0.41%, a nonperforming-loan ratio of 1.87% and a Texas ratio of 20.97%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 300 Sur Woods Dr, Effingham, IL 62401
- County
- Effingham
- Metro Area
- Effingham, IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1909
- Former names
- Dieterich Bank, N.A. (2015-2018)
- Offices
- 17 domestic
- Employees (FTE)
- 201
- Domestic deposits
- $1.33B
- Allowance for credit losses
- $15.4M
- Net charge-offs (YTD)
- $2.5M
- Average total assets
- $1.57B
- Average total loans
- $991.8M
- Average interest-bearing deposits
- $1.12B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3787
- Fed RSSD
- 771140
- SEC CIK
- 867748 → filed by PRIME BANC CORP.
- Website
- http://www.dieterichbank.com →
- Parent Holding Company
- PRIME BANC CORP. (RSSD 1842355)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Dieterich Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Dieterich Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Dieterich Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Dieterich Bank: Texas Ratio.
Banks merged into Dieterich Bank
- Community Bank of Trenton, effective July 19, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.14% | 0.41% | 1.87% | 20.97% | 3.49% |
| Q1 2026 | 10.25% | 0.93% | 1.26% | 16.05% | 3.40% |
| Q4 2025 | 10.00% | 0.99% | 1.93% | 17.16% | 3.37% |
| Q3 2025 | 9.92% | 0.45% | 0.62% | 5.59% | 3.20% |
| Q2 2025 | 10.94% | 0.80% | 0.39% | 3.29% | 3.08% |
| Q1 2025 | 11.06% | 0.61% | 0.23% | 1.90% | 2.88% |
| Q4 2024 | 11.51% | 0.73% | 0.23% | 1.90% | 2.77% |
| Q3 2024 | 11.48% | 0.57% | 0.18% | 1.55% | 2.66% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Effingham Branch | Effingham , IL | 62401 | $236.3M |
| Dieterich Branch | Dieterich , IL | 62424 | $135.0M |
| Teutopolis Branch | Effingham , IL | 62401 | $115.5M |
| Red Bud North Branch | Red Bud , IL | 62278 | $113.3M |
| Newton Branch | Newton , IL | 62448 | $100.2M |
| Trenton Branch | Trenton , IL | 62293 | $88.6M |
| Breese South Branch | Breese , IL | 62230 | $84.6M |
| Red Bud South Branch | Red Bud , IL | 62278 | $82.7M |
| Edwardsville Branch | Edwardsville , IL | 62025 | $68.0M |
| Chester Branch | Chester , IL | 62233 | $66.5M |
| Lake Sara Branch | Effingham , IL | 62401 | $64.1M |
| Columbia Branch | Columbia , IL | 62236 | $50.8M |
| Dieterich Bank (main office) | Effingham , IL | 62401 | $45.9M |
| Waterloo Branch | Waterloo , IL | 62298 | $34.6M |
| Saint Elmo Branch | Saint Elmo , IL | 62458 | $22.8M |
| Breese North Branch | Breese , IL | 62230 | $14.3M |
| Waterloo Downtown Branch | Waterloo , IL | 62298 | $4.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 19, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 19, 2025 | Structure Change | Acquired Community Bank of Trenton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 14, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 14, 2012 | Structure Change | Acquired First State Bank of Red Bud Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Dieterich Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- December 16, 2015, OCC: Formal Agreement: Dieterich Bank, National Association
- Period: Most recent institution action December 16, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IL, rank 59 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 393 applications, 284 loans originated, $85.4M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $135K approved, $135K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Dieterich Bank
What are Dieterich Bank's total assets?
As of the Q2 2026 filing, Dieterich Bank reported total assets of $1.55 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Dieterich Bank headquartered?
Dieterich Bank is headquartered in Effingham, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Dieterich Bank founded?
Dieterich Bank was established in 1909, per the FDIC institution directory.
Is Dieterich Bank FDIC-insured?
Yes. Dieterich Bank is an FDIC-insured commercial bank (FDIC Certificate #3787). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dieterich Bank?
Dieterich Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Dieterich Bank's CET1 capital ratio?
Dieterich Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.14% in its Q2 2026 call report, above regulatory requirements.
How many branches does Dieterich Bank operate?
Dieterich Bank operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dieterich Bank's Texas Ratio?
Dieterich Bank's Texas Ratio is 20.97% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Dieterich Bank previously called?
The charter now named Dieterich Bank has also operated as Dieterich Bank, N.A. (2015-2018), per FDIC structure-change records.
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