Dieterich Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.23 percentage points higher than in Q1 2026, at 300.37%. Within Illinois, Dieterich Bank is 133rd of 323 on loan-to-deposit ratio, 79.13% as of Q2 2026, above the middle of the field. Dieterich Bank reported 79.13% on loan-to-deposit ratio for Q2 2026, 9.07 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.05B |
| Net loans and leases | $1.03B |
| Loans held for sale | $0 |
| Loans to total assets | 67.60% |
| Loan-to-deposit ratio | 79.13% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.10% |
| Multifamily (5+ residential) | 7.65% |
| Commercial and industrial | 12.62% |
| Consumer | 1.25% |
| Credit cards | 0.00% |
| Farm | 6.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 300.37% |
| Construction concentration (Tier 1 capital + allowance) | 47.03% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $14.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $829.5M | $1.12B | 42.54% | 16.87% | 1.53% |
| Q4 2023 | $841.7M | $1.14B | 41.20% | 17.35% | 1.48% |
| Q1 2024 | $821.2M | $1.13B | 43.40% | 14.60% | 1.51% |
| Q2 2024 | $843.4M | $1.26B | 41.56% | 15.69% | 1.39% |
| Q3 2024 | $847.8M | $1.18B | 42.73% | 15.60% | 1.45% |
| Q4 2024 | $854.1M | $1.16B | 43.17% | 13.23% | 1.43% |
| Q1 2025 | $885.8M | $1.17B | 42.72% | 13.06% | 1.40% |
| Q2 2025 | $915.5M | $1.17B | 44.27% | 13.46% | 1.24% |
| Q3 2025 | $1.02B | $1.29B | 41.68% | 12.66% | 1.49% |
| Q4 2025 | $1.06B | $1.32B | 40.84% | 13.16% | 1.45% |
| Q1 2026 | $1.04B | $1.33B | 39.36% | 13.02% | 1.37% |
| Q2 2026 | $1.05B | $1.33B | 40.10% | 12.62% | 1.25% |
Dieterich Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dieterich Bank, freeSource: Call Report Schedule RC-C, 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)