TellerScore

Dieterich Bank (FDIC certificate #3787) is based in Effingham, Illinois. Its Q2 2026 call report shows $1.6B in total assets and $1.3B in deposits and 17 offices.

Dieterich Bank has a TellerScore of 46 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 303rd. Funding & liquidity contributes the most (66/100, 78% loans-to-deposits, 30% uninsured); capital cushion contributes the least (34/100, 8.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Tier 1 leverage ratio: 8.42%
Loan quality38/100
Noncurrent loans ÷ total loans: 1.87%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 78.0% · 30.0% uninsured
Problem-loan coverage66/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 16.78%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 17 points (63 → 46), mostly because the loan quality component weakened by 49 points.

TellerScore
455564Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202464
Q1 202564
Q2 202563
Q3 202557
Q4 202545
Q1 202653
Q2 202646
Tier 1 leverage ratio
5.00%7.04%9.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.05%
Q3 20248.56%
Q4 20248.88%
Q1 20259.08%
Q2 20259.07%
Q3 20258.24%
Q4 20258.22%
Q1 20268.31%
Q2 20268.42%
Noncurrent loans
0.18%1.05%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.18%
Q4 20240.23%
Q1 20250.23%
Q2 20250.39%
Q3 20250.62%
Q4 20251.93%
Q1 20261.26%
Q2 20261.87%
Return on assets
0.60%0.78%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.60%
Q4 20240.64%
Q1 20250.62%
Q2 20250.72%
Q3 20250.63%
Q4 20250.73%
Q1 20260.95%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$1.6B8.42%1.87%0.68%78.0%
Q1 202653$1.6B8.31%1.26%0.95%76.6%
Q4 202545$1.6B8.22%1.93%0.73%79.0%
Q3 202557$1.5B8.24%0.62%0.63%77.8%
Q2 202563$1.4B9.07%0.39%0.72%77.0%
Q1 202564$1.4B9.08%0.23%0.62%75.0%
Q4 202464$1.4B8.88%0.23%0.64%72.9%
Q3 202463$1.4B8.56%0.18%0.60%71.1%
Q2 202464$1.5B9.05%0.24%0.61%65.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.42%
5th
Total risk-based capital11.39%
28th
Problem loans1.87%
10th
Net charge-offs0.48%
8th
Return on assets0.68%
14th
Net interest margin3.57%
41st
Efficiency ratio64.3%
33rd
Loans to deposits78.0%
72nd
Uninsured deposits30.0%
53rd
Loan-loss reserves1.46%
84th
Texas ratio16.8%
5th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Providence Bank & TrustBank South Holland, IL81 out of 100, Strong$1.6B11.5%0.01%vs
First State BankBank Mendota, IL69 out of 100, Moderate$1.6B10.9%0.47%vs
Central Bank IllinoisBank Geneseo, IL55 out of 100, Moderate$1.5B10.4%1.85%vs
Servbank, National AssociationBank Oswego, IL76 out of 100, Strong$1.7B11.8%0.59%vs
Foresight BankBank Winnebago, IL62 out of 100, Moderate$1.7B11.3%1.51%vs
Amalgamated Bank of ChicagoBank Chicago, IL68 out of 100, Moderate$1.3B11.4%0.67%vs

Deposit insurance

Is my money safe at Dieterich Bank?

Yes. Dieterich Bank is an FDIC-insured institution (FDIC certificate #3787). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.0% of deposits ($398.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.42%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.39% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

Dieterich Bank lists 16 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Dieterich Bank reported 393 home-loan applications under HMDA (LEI 549300LTSES0DE01Z405): 284 originated ($85,430,000 total), 29 denied, and 62 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Dieterich Bank
Former names
The First National Bank of Dieterich; Dieterich Bank, N.A.
Type
State-chartered bank (Fed member)
FDIC certificate #
3787
RSSD ID
771140
Primary regulator
FED
Holding company
Prime Banc Corp
Established
January 1, 1909
Headquarters
300 Sur Woods Dr, Effingham, IL 62401
Employees
201

Quick answers

Dieterich Bank: common questions

Is Dieterich Bank FDIC insured?

Yes. Dieterich Bank is an FDIC-insured institution (FDIC certificate #3787). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Dieterich Bank's TellerScore?

46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Dieterich Bank ever failed?

There is no failure record for FDIC certificate #3787 in the FDIC failed bank list.

How many branches does Dieterich Bank have?

17 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Effingham

InstitutionScoreAssetsCapitalProblem loansCompare
Teutopolis State BankBank Teutopolis, IL97 out of 100, Very strong$358.5M14.7%0.00%vs
Effingham Highway Credit UnionCredit union Effingham, IL94 out of 100, Very strong$5.9M19.8%0.00%vs
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs
First State Bank of Beecher CityBank Beecher City, IL88 out of 100, Very strong$112.2M16.0%0.81%vs
First State Bank of St. PeterBank Saint Peter, IL83 out of 100, Strong$30.1M18.5%1.71%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs