FDIC Cert #10803 · Dewey, Illinois · Est. 1902

Dewey Bank - FDIC Bank Health Profile

A community-scale look at Dewey Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$31M
Total assets
B
Health grade · Good
1.26%
Return on assets
12.6%
Tier 1 capital

Data updated July 2026

The verdict

Dewey Bank earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.63% Tier 1, profitable at 1.26% ROA, 72% efficiency ratio.

#4,235
largest of 4,313 FDIC banks by assets
2nd
percentile by asset size, nationally
12.63%
Tier 1 ratio - above the 10% well-capitalized line
61st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 10803 · IL B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2146/4307
  • PHOTO-FINISH Bank of Franklin · MS
  • TIER1-WELL 12.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.26% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Bank of Franklin, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Dewey Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Franklin · MS · near79/100Dewey Bank · IL · this bank79/100First-Citizens Bank… · NC · …79/100Harvest Bank · MN · near79/100Winnsboro State Bank… · LA ·…79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Dewey Bank · July 2026

Call Report read for Dewey Bank in a high-failure state

Dewey Bank (FDIC Cert #10803) carries a PlainBankData health grade of B at 79/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,146 of 4,307. Tier 1 capital prints at 12.63%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.26%. Balance-sheet scale is $31M, 4,235th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Franklin (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Dewey Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Dewey Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Dewey Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Dewey Bank's 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
Dewey Bank's composite health score
Tier 1 Capital Ratio (12.63%) 35/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (71.71%) 4/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$31M

Total balance-sheet footings

Total Deposits

$26M

Customer-funded liabilities

Net Loans

$22M

Outstanding loan book

Net Income

$383K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.23% 12.63% 14.03%
Basel III capital ratios - Dewey Bank

Where Dewey Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Dewey Bank's score of 79/100 falls in the highlighted band.

Dewey Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 50% higher than 50% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Dewey Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Dewey Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Dewey Bank's $31M falls in the highlighted band.

Capital & credit buffers at Dewey Bank

Tier 1 capital ratio
Well-capitalized 10%

12.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.63%
Texas Ratio
0.00%
Equity Capital
$4M

What these ratios mean →

Earnings posture at Dewey Bank

Return on Assets (ROA)
61st percentile nationally
1.26%
Return on Equity (ROE)
10.65%
Efficiency Ratio
71.71%

What these mean →

Income & expense at Dewey Bank

$2M
Interest Income
$93K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Dewey Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Dewey Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($31M here), outside Illinois so the neighborhood is not state containment.

Gala Bank $31M · FL American Trust and Savings Bank $31M · IA ITS Bank $31M · IA Brazos National Bank $31M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Dewey Bank (FDIC Cert #10803) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Dewey Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%