Dieterich 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: 39.81 percentage points lower than in Q1 2026, at 78.26%. Within Illinois, Dieterich Bank is 284th of 323 on return on assets, 0.41% as of Q2 2026, below the middle of the field. Dieterich Bank's return on assets of 0.41% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.87 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.14% |
| Tier 1 risk-based capital ratio | 10.14% |
| Total risk-based capital ratio | 11.39% |
| Tier 1 leverage ratio | 8.42% |
| Equity capital to assets | 8.71% |
| Tangible equity to tangible assets | 6.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.87% |
| Non-performing assets ratio | 1.63% |
| Net charge-off ratio | 0.69% |
| Texas ratio | 20.97% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 78.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.41% |
| Return on equity | 4.74% |
| Net interest margin | 3.49% |
| Efficiency ratio | 67.83% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.13% |
| Core deposits to total deposits | 90.97% |
| Brokered deposits to total deposits | 0.46% |
| Deposits to assets | 85.42% |
| Securities to assets | 22.97% |
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 | 11.41% | 11.41% | 12.57% | 9.06% | 0.78% |
| Q4 2023 | 11.42% | 11.42% | 12.57% | 9.04% | 0.80% |
| Q1 2024 | 11.51% | 11.51% | 12.67% | 9.05% | 0.58% |
| Q2 2024 | 11.51% | 11.51% | 12.69% | 9.05% | 0.64% |
| Q3 2024 | 11.48% | 11.48% | 12.64% | 8.56% | 0.57% |
| Q4 2024 | 11.51% | 11.51% | 12.66% | 8.88% | 0.73% |
| Q1 2025 | 11.06% | 11.06% | 12.21% | 9.08% | 0.61% |
| Q2 2025 | 10.94% | 10.94% | 12.11% | 9.07% | 0.80% |
| Q3 2025 | 9.92% | 9.92% | 11.17% | 8.24% | 0.45% |
| Q4 2025 | 10.00% | 10.00% | 11.25% | 8.22% | 0.99% |
| Q1 2026 | 10.25% | 10.25% | 11.50% | 8.31% | 0.93% |
| Q2 2026 | 10.14% | 10.14% | 11.39% | 8.42% | 0.41% |
Dieterich Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dieterich 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 Dieterich Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3787) · FFIEC NIC profile (RSSD 771140)