# DIETERICH BANK
EFFINGHAM, IL · FDIC certificate 3787 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.55B | |
| Deposits | $1.33B | |
| Loans and leases | $1.05B | |
| Total equity | $135.3M | |
| Loans / deposits | 77.97% (p28 of band) | 87.10% |
| Liquid assets / assets | 25.92% (p67 of band) | |
| Uninsured deposits / deposits | 29.99% (p47 of band) | 30.76% |
| Brokered deposits | 0.39% | |
| Wholesale funding | 5.48% (p47 of band) | |
| FHLB advances / assets | 3.16% | |
| Tier 1 leverage | 8.42% (p5 of band) | 10.50% |
| Unrealized securities loss / equity | -25.02% (p13 of band) | -7.75% |
| AOCI / equity | -0.58% (p31 of band) | |
| ROA (annualized) | 0.68% (p14 of band) | 1.26% |
| Net interest margin | 3.57% (p41 of band) | 3.70% |
| Efficiency ratio | 64.34% (p67 of band) | |
| Noncurrent loans | 1.87% (p90 of band) | 0.51% |
| Net charge-offs (annualized) | 0.32% (p91 of band) | |
| Reserve coverage of noncurrent | 78.26% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 50.55% (p54 of band) | |
| Auto loans | $11.5M (1.09% of loans; DQ 0.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 13.2% | |
| Employees | 201 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 4 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | losing money, charge-offs p90 |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity, noncurrent p90, uninsured deposits leaving |
| 2023-06 | 1 |  | charge-offs p90 |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2025-09 | 1 | capital falling | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2025-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 0 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2026-06 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-03-01 [Wegman joins Dieterich Bank board - Alton Telegraph](https://news.google.com/rss/articles/CBMikgFBVV95cUxOT1VEa1FDVlk2eTFQSkFRSzc1RTMxRWo3akM5TTJKZ0VFbjNyZXlBWGpLMGVBYzNiQTZDbFRwY3pQbDlIQjBqUDlVeDZYWXR5T0wwNmRfbkJyZHlnRFJ6MFBFVl9KZ19DMmF5MWdPeUFDcTVsZk5iN1YwQWY5aUlQUkF6X3h1bW9MOG93UDEyNzdKdw?oc=5) · Alton Telegraph
- 2024-06-25 [Dieterich Bank Donates To Teutopolis Park District - Effingham Radio](https://news.google.com/rss/articles/CBMimAFBVV95cUxONGZsVEk3NDVlTnZjbFYzWWNBbWhueFJzTHRjMDJzNkJmbWNUQUh2MF9Ha0x2bWt4LVNHTGRrcHFkTDVBc0RkVmZUYXAzcjlka2FkWGhPLWU2Ri1ZZkxNaWc1cGIwWWJad0FTS2RPZzdCaUQwTWZGSWtfQkxoU3Y0OFdBQ3lLejYzVzAwSWZJRGV3Q1pWVmlCUA?oc=5) · Effingham Radio
- 2023-05-31 [New CEO at Dieterich Bank - Republic-Times](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1wclhhWFVxeXozMm5iTEtWOUp1WU9hMHVWT3dLWFdGMGJleG9JaFpaazJvM0U3VUhqeVoyRUtyLW1oQWFhcTB1SUh3ZUpGX3FqVG0zY0EyWXRtVVp5TEl0MHAwbml1Ymc?oc=5) · Republic-Times
- 2020-02-25 [Dieterich Bank Acquiring Five Illinois Branches From First Bank - Effingham Radio](https://news.google.com/rss/articles/CBMiqgFBVV95cUxORWc0VTNnR1RqT3BzNTBxNmR2OUc2RkFqTUdHeHhFQnNfZ2dtUmJGd3drcncxMDVQZG9XckUyZnFYQld5MjhXSXZOVmY2YmoyTmZ1Nko2Z216ajk4M0dxX3NrV1JwYmhJYjRKOHhaVUhzb25kenNhRkFoeHN1cFdqX0xoX2tCN0JmM1hsNjBlc0xvN1pnM09yM2Y1R1gwWE1pRkpXM2FSb2p3QQ?oc=5) · Effingham Radio
- 2024-06-13 [Dieterich Bank Announces New Board Member - Effingham Radio](https://news.google.com/rss/articles/CBMijAFBVV95cUxQQndvczVzdVdwS1VHeGtSU29lNmlESnZHX1l6dTRERmE1WUFFQi1DQWViZzE1ZEV6SHFueGJrRWdtUG9Qbk1OV0Fvakp1MDhCZFIwaGFoaDdOcTB3RFdYZ1dERTJydXZqV3RSN3c0cFA1ZTViUG5YeGphQ0FHMDBqWG9YU0ZQeG41VXVkeQ?oc=5) · Effingham Radio
- 2023-04-03 [Stephanie Higgs Named Chief Financial Officer of Dieterich Bank - Effingham Radio](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPeEtBbHA5WUhxVGcxNW9xNVBJclNMY3JScmg4VEZBY2NWUW0wLVRNeEV2eERRRGJDLU12dzlDX1NLM1dnZGJRd2FtbXlWQVRHc0swdGFOeXB0SXA0c3g0Ml85M0FaV2E0QmNLWFl6anFEdGFKcG9LX0pVbm8xcHJIUUxOUDU3OGZIVHkxZFNNY2JtYTNRbndkaXRlb29BNFJlWDZLVkxSOS1IUQ?oc=5) · Effingham Radio
- 2020-08-21 [Dieterich Bank Completes Acquisition Of Five Illinois Branches From First Bank, Creve Coeur, Missouri - Effingham Radio](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOdkVaa3E1WE9zZUpLdDZJSUpORWpSTmczS0k3TEhRNnI2cVo4SmhDTVRpVWpILTEzZE5nS2YwTWFWWXZDOS0zUlp2dHp6ZnRCRVNMX2F6SWVRNV9pTnZHejh6RmZJbUhOeXBra1VkeHJROTNKcDRnNWN1R2ZyZlZ0X1RGN2NIcXEwR2tqVGkzZDFSS0pFUXB1bU5IVzZPYU8waTU0dDRDSlBQTU9VcU9KOFlwdzluSThFUWk2Q2NXSE9QWC1aMUxwRFJ1OVJrVDF4blRpQkw5M3hQUQ?oc=5) · Effingham Radio
- 2024-01-26 [Dieterich Bank Donates To United Way Of Effingham County - Effingham Radio](https://news.google.com/rss/articles/CBMioAFBVV95cUxPTnR4bm80X3U3OHc1dWVkR1FkSmM2UXM1UGpUODBzeTQ2dXJtQlFEQWlvWFd3a2VoYWx0dk4ySGU4ZWdPNmNiR2VzanhJcFhlMnBTSmFaTGdSdWpSNEM2UmlWb2RxSU1fWVNQYklhMXVGYm16UmhKeFZqZTc3TFlaVXhQU25hSElpX1JGVHVYVGd6NUJzRkh1aWtma2NjYk5W?oc=5) · Effingham Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3787 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "3787", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide