Dieterich Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 4.7% to -$24.8M. On CET1 ratio, Dieterich Bank is 7th from the bottom among 198 Illinois banks, 10.14% (Q2 2026). Dieterich Bank reported 10.14% on CET1 ratio for Q2 2026, 3.34 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.14% |
| Tier 1 risk-based capital ratio | 10.14% |
| Total risk-based capital ratio | 11.39% |
| Tier 1 leverage ratio | 8.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $130.0M |
| Tier 1 capital | $130.0M |
| Total risk-based capital | $146.1M |
| Total equity capital | $135.3M |
| Risk-weighted assets | $1.28B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.71% |
| Tangible equity to tangible assets | 6.90% |
| Equity capital to average assets | 8.59% |
| Internal capital growth rate | -0.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $90.2M |
| Retained earnings | $69.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.41% | 11.41% | 12.57% | 9.06% | $1.04B |
| Q4 2023 | 11.42% | 11.42% | 12.57% | 9.04% | $1.06B |
| Q1 2024 | 11.51% | 11.51% | 12.67% | 9.05% | $1.05B |
| Q2 2024 | 11.51% | 11.51% | 12.69% | 9.05% | $1.06B |
| Q3 2024 | 11.48% | 11.48% | 12.64% | 8.56% | $1.07B |
| Q4 2024 | 11.51% | 11.51% | 12.66% | 8.88% | $1.08B |
| Q1 2025 | 11.06% | 11.06% | 12.21% | 9.08% | $1.13B |
| Q2 2025 | 10.94% | 10.94% | 12.11% | 9.07% | $1.15B |
| Q3 2025 | 9.92% | 9.92% | 11.17% | 8.24% | $1.25B |
| Q4 2025 | 10.00% | 10.00% | 11.25% | 8.22% | $1.28B |
| Q1 2026 | 10.25% | 10.25% | 11.50% | 8.31% | $1.27B |
| Q2 2026 | 10.14% | 10.14% | 11.39% | 8.42% | $1.28B |
Dieterich Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dieterich Bank, freeSource: Call Report Schedule RC-R, 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 Dieterich Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3787) · FFIEC NIC profile (RSSD 771140)