Dieterich Bank: how it compares with its peers
Against 39 IL banks with half to twice its assets, Dieterich Bank's strongest measure in Q2 2026 is net interest margin (3.57% vs. a 3.61% peer median). Its weakest relative measure is return on assets (0.68% vs. 1.28%).
| Measure | Dieterich Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 1.28% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 3.61% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.34% | 61.60% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $8.2M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.97% | 82.94% | Context |
What it means for lending operations
Its efficiency ratio of 64.34% is above the 61.60% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Providence Bank & Trust South Holland, IL · $1.56B
- First State Bank Mendota, IL · $1.56B
- Central Bank Illinois Geneseo, IL · $1.46B
- Servbank, National Association Oswego, IL · $1.70B
- Foresight Bank Winnebago, IL · $1.71B
- Amalgamated Bank of Chicago Chicago, IL · $1.33B
Questions about Dieterich Bank
How big is Dieterich Bank?
Dieterich Bank, established in 1909, is headquartered in Effingham, IL. It reported $1.55B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is Dieterich Bank's return on assets?
0.68% annualized in Q2 2026, against a 1.28% median for 39 IL banks with half to twice its assets, ahead of 21% of them.
What is Dieterich Bank's efficiency ratio?
64.34% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 61.60%, and lower is better.
Is Dieterich Bank growing its loans?
Net loans grew 14.6% over the year to Q2 2026, while deposits grew 13.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.