Dieterich Bank
Total assets
$1.55B
▲ +10.8% YoY
Deposits
$1.33B
▲ +13.2% YoY
Loans
$1.03B
▲ +14.6% YoY
Offices
17
PRIME BANC CORP
ROA (annualized)
0.68%
peers 1.26%
ROE (annualized)
7.88%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Dieterich Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +5.5% | +5.3 pts |
| Deposit growth (YoY) | +13.2% | +5.1% | +8.1 pts |
| Loan growth (YoY) | +14.6% | +5.9% | +8.7 pts |
| ROA | 0.68% | 1.26% | -0.6 pts |
| ROE | 7.9% | 12.2% | -4.3 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
Profile
- Established
- 1909
- Charter
- State
- Primary regulator
- FED
- Holding company
- PRIME BANC CORP
- Specialization
- Commercial Lending Specialization
- Address
- 300 Sur Woods Dr, Effingham, IL, 62401
- County
- Effingham
- Metro area
- Effingham, IL
- Offices
- 17
- FDIC cert #
- 3787
- RSSD ID
- 771140
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.55B | $1.33B | $1.03B | $135.3M | $5.3M | 0.68% | 3.57% | 1.63% |
| Q1 2026 | $1.55B | $1.33B | $1.02B | $136.5M | $3.7M | 0.95% | 3.54% | 1.26% |
| Q4 2025 | $1.57B | $1.32B | $1.04B | $134.1M | $10.6M | 0.73% | 3.29% | 1.30% |
| Q3 2025 | $1.52B | $1.29B | $1.01B | $128.4M | $6.7M | 0.63% | 3.21% | 0.42% |
| Q2 2025 | $1.40B | $1.17B | $902.7M | $118.4M | $5.0M | 0.72% | 3.12% | 0.25% |
| Q1 2025 | $1.38B | $1.17B | $873.6M | $117.5M | $2.1M | 0.62% | 3.01% | 0.15% |
| Q4 2024 | $1.36B | $1.16B | $842.4M | $113.5M | $8.8M | 0.64% | 2.80% | 0.14% |
| Q3 2024 | $1.41B | $1.18B | $836.1M | $120.0M | $6.3M | 0.60% | 2.75% | 0.12% |
Loan mix (Q2 2026): real estate $817.4M · commercial $132.5M · consumer $13.1M · securities $356.8M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Dieterich Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.26% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 12.2% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.70% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 59.0% | 67th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Dieterich Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Dieterich Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Dieterich Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Dieterich Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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