Dewitt Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 25.76 percentage points lower than in Q1 2026, at 43.80%. Within Illinois, Dewitt Savings Bank is 253rd of 323 on return on assets, 0.68% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Dewitt Savings Bank sits 0.57 points lower, at 0.68% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.72% |
| Tier 1 risk-based capital ratio | 20.72% |
| Total risk-based capital ratio | 21.22% |
| Tier 1 leverage ratio | 10.47% |
| Equity capital to assets | 9.33% |
| Tangible equity to tangible assets | 9.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.21% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.49% |
| Texas ratio | 6.12% |
| Allowance for credit losses to loans | 0.53% |
| Reserve coverage of non-performing loans | 43.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.68% |
| Return on equity | 7.98% |
| Net interest margin | 3.27% |
| Efficiency ratio | 69.25% |
| Yield on earning assets | 5.30% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.47% |
| Core deposits to total deposits | 77.57% |
| Brokered deposits to total deposits | 9.93% |
| Deposits to assets | 81.45% |
| Securities to assets | 44.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.20% | 22.20% | 23.12% | 12.29% | 0.04% |
| Q4 2023 | 23.84% | 23.84% | 24.76% | 12.77% | 0.44% |
| Q1 2024 | 21.98% | 21.98% | 22.88% | 12.49% | -0.29% |
| Q2 2024 | 21.32% | 21.32% | 22.15% | 11.98% | 0.19% |
| Q3 2024 | 22.86% | 22.86% | 23.69% | 12.34% | 0.05% |
| Q4 2024 | 21.84% | 21.84% | 22.64% | 12.26% | 0.39% |
| Q1 2025 | 23.51% | 23.51% | 24.27% | 11.66% | 0.14% |
| Q2 2025 | 21.51% | 21.51% | 22.18% | 11.22% | 0.15% |
| Q3 2025 | 20.33% | 20.33% | 21.00% | 10.44% | 0.43% |
| Q4 2025 | 19.70% | 19.70% | 20.29% | 9.82% | 0.30% |
| Q1 2026 | 20.50% | 20.50% | 21.08% | 10.23% | 0.46% |
| Q2 2026 | 20.72% | 20.72% | 21.22% | 10.47% | 0.68% |
Dewitt Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dewitt Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dewitt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29535) · FFIEC NIC profile (RSSD 324975)