FDIC Cert #3787 · Effingham, Illinois · Est. 1909

Dieterich Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$1.6B
Total assets
C
Health grade · Fair
0.73%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

Dieterich Bank earns a PlainBankData health grade of C (56/100), with 10.00% Tier 1 capital, 0.73% ROA, 66% efficiency ratio.

#716
largest of 4,313 FDIC banks by assets
83rd
percentile by asset size, nationally
10.00%
Tier 1 ratio - below the 10% well-capitalized line
26th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 3787 · IL C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3931/4307
  • PHOTO-FINISH 1st Bank in Hominy · OK
  • TIER1-ADEQ 10.0% Tier 1
  • TEXAS-CLEAN 13.7% Texas
  • ROA-THIN 0.73% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: 1st Bank in Hominy, OK (±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 Dieterich Bank

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

Morgan Stanley Bank,… · UT ·…100/1001st Bank in Hominy · OK · ne…56/100Dieterich Bank · IL · this b…56/100Farmers and Merchant… · OK ·…56/100Pillar Bank · WI · near56/100The First National B… · TX ·…56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Dieterich Bank · July 2026

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

Dieterich Bank (FDIC Cert #3787) carries a PlainBankData health grade of C at 56/100, 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 #3,931 of 4,307. Tier 1 capital prints at 10.00%, missing the 10% well-capitalized line. The Texas Ratio is 13.68%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.73%. Balance-sheet scale is $1.6B, 716th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is 1st Bank in Hominy (OK), 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 Dieterich Bank

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

Dieterich 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 Dieterich 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 Dieterich Bank's 56/100 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 avg77/10056/100
Dieterich Bank's composite health score
Tier 1 Capital Ratio (10.00%) 18/40
Return on Assets (ROA) (0.73%) 14/25
Texas Ratio (13.68%) 16/20
Efficiency Ratio (65.84%) 8/15

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

Balance sheet at a glance

Total Assets

$1.6B

Total balance-sheet footings

Total Deposits

$1.3B

Customer-funded liabilities

Net Loans

$1.0B

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.6% 10% 11.4%
Basel III capital ratios - Dieterich Bank

Where Dieterich Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Dieterich Bank's score of 56/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

56 9th percentile higher than 9% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Dieterich 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

Dieterich 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). Dieterich Bank's $1.6B falls in the highlighted band.

Capital & credit buffers at Dieterich Bank

Tier 1 capital ratio
Well-capitalized 10%

10.00% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.00%
Texas Ratio
13.68%
Equity Capital
$134M

What these ratios mean →

Profitability metrics: Dieterich Bank

Return on Assets (ROA)
26th percentile nationally
0.73%
Return on Equity (ROE)
8.67%
Efficiency Ratio
65.84%

What these mean →

Income & expense at Dieterich Bank

$69M
Interest Income
$8M
Non-Interest Income
$34M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Dieterich Bank reports a Texas Ratio of 13.68% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Dieterich 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 ($1.6B here), outside Illinois so the neighborhood is not state containment.

Bankhometown $1.6B · MA The Moody National Bank $1.6B · TX The Ohio Valley Bank Company $1.6B · OH The Park Bank $1.6B · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Dieterich Bank (FDIC Cert #3787) - 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.

Dieterich 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%