Dieterich Bank
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Data as of · sourced from FFIEC call reports. How we update
Dieterich Bank is an FDIC-insured commercial bank headquartered in Effingham, IL, established in 1909 (FDIC certificate 3787), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.55B, up 10.8% from Q2 2025, the 44th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 10.14% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3787
- Headquarters
- Effingham, IL
- Established
- 1909
- Total assets, Q2 2026
- $1.55B
- Assets vs Q2 2025
- +10.8%
- CET1 ratio, Q2 2026
- 10.14%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 081212574
- Latest call report
- Q2 2026, FFIEC 041 · Dieterich Bank call report
- Holding company
- PRIME BANC CORP.
- Asset rank in state
- 44th of 319 in Illinois
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%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Dieterich Bank is the 44th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.2% to $1.55B, loans rose 1.4% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.4% of total loans, ahead of 1-4 family residential loans at 17.0%. Its 17 offices in the FDIC Summary of Deposits are in 11 cities in IL; its Effingham 4 offices book 35% of its branch deposits. On its Q2 2026 call report, Dieterich Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 17 FDIC institution directory, current count
- 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
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
Dieterich Bank's total assets moved between a low of $1.31B (Q3 2023) and a high of $1.57B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.55B total assets against $1.40B; $1.42B total liabilities against $1.28B.
$1.03B net loans and leases against $902.7M; $1.33B total deposits against $1.17B.
$356.8M securities against $366.6M; $45.9M cash and balances due against $32.6M.
$19.0M total interest income against $16.3M; $6.2M total interest expense against $6.0M.
$12.8M net interest income against $10.2M.
$641K total noninterest income against $1.9M; $9.3M total noninterest expense against $7.8M.
$1.9M provision for credit losses against $574K.
$1.6M net income against $2.8M.
0.41% return on assets against 0.80%; 3.49% net interest margin against 3.08%.
10.14% CET1 capital ratio against 10.94%; 8.42% tier 1 leverage ratio against 9.07%.
Inside the full Dieterich Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 153 of 3,640, for Texas Ratio; its furthest is 2,082 of 2,134, for 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
Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q2 2026) to 0.99% (Q4 2025) and its net interest margin ran from 2.66% (Q3 2024) to 3.49% (Q2 2026).
| 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
View all 17 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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 379 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).
- Not on file
- 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 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.
Where is Dieterich Bank headquartered?
It is headquartered in Effingham, IL, United States.
When was Dieterich Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Dieterich Bank FDIC-insured?
Yes. It 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.
What is Dieterich Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 20.97% 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 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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