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Dieterich Bank
Effingham, IL · FDIC Certificate #3787 · Chartered 01/0
Total assets
$1.55B
Total deposits
$1.33B
Total equity
$135.29M
Net loans
$1.03B
Branches (offices)
17
Net income (YTD)
$5.33M
Rank: #727 of 4,213 U.S. banks by assets · #45 of 322 in Illinois. Assets changed 10.8% and deposits 13.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 7.88% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 8.71% |
| Tier 1 leverage ratio | 8.42% |
| Uninsured deposits (share of deposits) | 30.0% |
| Noncurrent loans (share of loans) | 1.87% |
| Net charge-offs (share of loans) | 0.48% |
| Loans to deposits | 78.0% |
| Real estate loans (share of loans) | 79.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $817.44M | 79.0% | |
| Commercial & industrial | $132.54M | 12.8% | |
| Consumer / individual | $13.10M | 1.3% | |
| Construction & development | $68.39M | 6.6% | |
| Agricultural | $24.77M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.29B | $1.15B | $4.88M | $88.79M |
| Jun 2023 | $1.29B | $1.11B | $4.87M | $103.44M |
| Jun 2024 | $1.47B | $1.26B | $4.17M | $111.04M |
| Jun 2025 | $1.40B | $1.17B | $4.96M | $118.38M |
| Jun 2026 | $1.55B | $1.33B | $5.33M | $135.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.33B | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.33B.
Similar-sized banks
Main Street Bank Corp. ($1.55B) · Solera National Bank ($1.55B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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