Dewitt Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Dewitt Savings Bank is an FDIC-insured savings bank headquartered in Clinton, IL, established in 1887 (FDIC certificate 29535), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $173.2M, up 10.7% from Q2 2025, the 218th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 20.72% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29535
- Headquarters
- Clinton, IL
- Established
- 1887
- Total assets, Q2 2026
- $173.2M
- Assets vs Q2 2025
- +10.7%
- CET1 ratio, Q2 2026
- 20.72%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 271171616
- Asset rank in state
- 218th of 319 in Illinois
Dewitt Savings Bank, based in Clinton, Illinois, reported $173 million in assets at June 30, 2026, up 10.7% from a year earlier. It holds commercial real estate loans equal to only 17% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 3.27 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.21% of loans from 0.96% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.5 million equal 19% of Tier 1 capital, down from 40% a year earlier. Profitability lags: it earns about $0.68 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Dewitt Savings Bank reported a CET1 capital ratio of 20.72%, a return on assets of 0.68%, a nonperforming-loan ratio of 1.21% and a Texas ratio of 6.12%. The figures come from its call report filed with the FFIEC.
Dewitt Savings Bank ranks as the 218th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.2% to $173.2M, loans fell 1.4% and deposits fell 9.5%. 1-4 family residential loans made up 52.5% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 22.6%. The FDIC Summary of Deposits lists 2 offices for it, in Clinton, IL and Moweaqua, IL; its Clinton office books 87% of its branch deposits. By the capital ratios in its Q2 2026 call report, Dewitt Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 302 W Main St, Clinton, IL 61727
- County
- De Witt
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Former names
- De Witt Federal Savings and Loan Association (1994-1995)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $141.1M
- Allowance for credit losses
- $445K
- Net charge-offs (YTD)
- $120K
- Average total assets
- $177.8M
- Average total loans
- $84.2M
- Average interest-bearing deposits
- $127.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29535
- Fed RSSD
- 324975
- Website
- www.dewittsavingsbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Dewitt Savings Bank's total assets ranged from $139.9M (Q3 2023) to $174.2M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$173.2M total assets against $156.5M; $157.1M total liabilities against $144.5M.
$83.5M net loans and leases against $79.5M; $141.1M total deposits against $135.7M.
$76.5M securities against $63.1M; $4.9M cash and balances due against $5.4M.
$2.1M total interest income against $1.7M; $834K total interest expense against $722K.
$1.2M net interest income against $970K.
$279K total noninterest income against $167K; $1.2M total noninterest expense against $1.0M.
$27K provision for credit losses against $62K.
$303K net income against $60K.
0.68% return on assets against 0.15%; 3.27% net interest margin against 2.80%.
20.72% CET1 capital ratio against 21.51%; 10.47% tier 1 leverage ratio against 11.22%.
Inside the full Dewitt Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDewitt Savings Bank rankings
Its closest position to the top of a national ranking is 298 of 2,134, for CET1 ratio; its furthest is 3,047 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.05% (Q3 2024) to 0.68% (Q2 2026) and its net interest margin ran from 2.30% (Q3 2024) to 3.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.72% | 0.68% | 1.21% | 6.12% | 3.27% |
| Q1 2026 | 20.50% | 0.46% | 0.88% | 5.38% | 2.80% |
| Q4 2025 | 19.70% | 0.30% | 1.19% | 7.14% | 2.95% |
| Q3 2025 | 20.33% | 0.43% | 0.81% | 5.34% | 2.68% |
| Q2 2025 | 21.51% | 0.15% | 0.96% | 6.50% | 2.80% |
| Q1 2025 | 23.51% | 0.14% | 0.74% | 4.48% | 2.88% |
| Q4 2024 | 21.84% | 0.39% | 0.84% | 5.34% | 2.78% |
| Q3 2024 | 22.86% | 0.05% | 0.72% | 4.32% | 2.30% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dewitt Savings Bank (main office) | Clinton , IL | 61727 | $122.6M |
| 130 North Main Street Branch | Moweaqua , IL | 62550 | $18.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 260 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Dewitt Savings Bank
What are Dewitt Savings Bank's total assets?
As of the Q2 2026 filing, Dewitt Savings Bank reported total assets of $173.2 million in its FFIEC call report.
Where is Dewitt Savings Bank headquartered?
It is headquartered in Clinton, IL, United States.
When was Dewitt Savings Bank founded?
It was established in 1887, per the FDIC institution directory.
Is Dewitt Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29535). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dewitt Savings Bank?
Dewitt Savings Bank's primary federal regulator is the FDIC.
What is Dewitt Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.72% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Dewitt Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dewitt Savings Bank's Texas Ratio?
Its Texas Ratio is 6.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Dewitt Savings Bank previously called?
The charter now named Dewitt Savings Bank has also operated as De Witt Federal Savings and Loan Association (1994-1995), per FDIC structure-change records.
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