Dieterich Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dieterich Bank of Effingham, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.41% | 1.46% | -1.05% | 7th bottom |
| ROAE | 4.74% | 12.72% | -7.98% | 10th bottom |
| Net Interest Margin | 3.49% | 3.85% | -0.36% | 35th below |
| Efficiency Ratio | 67.83% | 57.40% | +10.43% | 25th below |
| PPNR / Avg Assets | 1.04% | 1.88% | -0.84% | 17th bottom |
| Yield on Earning Assets | 5.19% | 5.72% | -0.53% | 29th below |
| Cost of Funds | 1.78% | 2.02% | -0.24% | 64th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.11% | 3.18% | -0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.87% | 1.00% | +0.87% | 12th bottom |
| NPA / Total Assets | 1.63% | 0.76% | +0.87% | 10th bottom |
| NCO / Avg Loans | 0.69% | 0.43% | +0.26% | 6th bottom |
| ACL / Total Loans | 1.46% | 1.31% | +0.15% | 84th top |
| ACL / NPLs (Coverage) | 78.26% | 543.64% | -465.38% | 19th bottom |
| Texas Ratio | 20.97% | 7.38% | +13.59% | 6th bottom |
| Provision / NCO | 97.65% | 618.97% | -521.32% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.14% | 17.34% | -7.20% | 2nd bottom |
| Tier 1 Ratio | 10.14% | 17.37% | -7.23% | 2nd bottom |
| Total Capital Ratio | 11.39% | 18.42% | -7.03% | 4th bottom |
| Leverage Ratio | 8.42% | 11.44% | -3.02% | 5th bottom |
| Equity / Assets | 8.71% | 11.34% | -2.63% | 16th bottom |
| TCE / Tangible Assets | 6.90% | 10.50% | -3.60% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.13% | 86.96% | -7.83% | 72nd above |
| Core Deposit Ratio | 90.97% | 85.55% | +5.42% | 63rd above |
| Uninsured Deposit Ratio | 29.99% | 33.12% | -3.13% | 54th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.09% | 5.70% | -0.61% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.80% | 9.68% | +1.12% | 78th top |
| Loan Growth (Y/Y) | 14.72% | 8.05% | +6.67% | 85th top |
| Deposit Growth (Y/Y) | 13.17% | 7.87% | +5.30% | 83rd top |
See Dieterich Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dieterich Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Dieterich Bank profile, how to read a UBPR, or how this data updates.