Dieterich Bank
Effingham, IL
IDRSSD: 771140
Total Assets
$1.57B
Latest filing
Total Deposits
$1.32B
Latest filing
Net Interest Margin
3.53%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
081212574EFFINGHAM, IL
Key People
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Locations
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Main Office
Dieterich Bank
300 Sur Woods Dr
Effingham, IL 62401
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1909FDIC Certificate 2450
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Dieterich Bank (Main) | 300 Sur Woods Dr | Effingham, IL |
| COMMUNITY BANK OF TRENTON BRANCH | 104 E Broadway | Trenton, IL |
| TEUTOPOLIS BRANCH | 1510 E. Fayette Ave. | Effingham, IL |
| NEWTON BRANCH | 1108 S Van Buren St | Newton, IL |
| LAKE SARA BRANCH | 10911 East State Hwy 33 | Effingham, IL |
| WATERLOO BRANCH | 1405 N Illinois Route 3 | Waterloo, IL |
| DIETERICH BRANCH | 101 S Main St | Dieterich, IL |
| EFFINGHAM BRANCH | 510 W Fayette Ave | Effingham, IL |
Showing 7 of 16
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62401 |
| State and County Number | 17049 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Effingham, IL |
Operational Info
| Number of Employees | 198 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/19/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.dieterichbank.com |
| Data Updated | 01/30/2026 |
| CERT | 3787 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.57B |
| Total Deposits | $1.32B |
| Total Liabilities | $1.43B |
| Total Equity Capital | $134.10M |
| Net Income | $3.93M |
| Net Loans and Leases | $1.04B |
| Assets Per Employee ($Millions) | $7.76M |
| Bank Premises and Fixed Assets | $18.16M |
| Cash and Balances due from Depository Institutions | $47.70M |
| Deposits Held in Domestic Offices | $1.32B |
Key Performance Ratios
| Return on Assets (ROA) | 1.02% |
| Return on Equity (ROE) | 11.97% |
| Net Interest Margin | 3.53% |
| Efficiency Ratio | 61.99% |
| Tier 1 Risk-Based Capital Ratio | 9.997% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.551% |
| Earning Assets to total Assets | 91.74% |
Income and Expense
| Total Interest Income | $19.31M |
| Total Noninterest Income | $2.18M |
| Total Interest Expense | $6.86M |
| Total Noninterest Expense | $9.23M |
| Net Interest Income | $12.46M |
| Pre-tax Net Operating Income | $4.94M |
| Provision for Credit Losses | $464.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $70.81M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.23M |
| Federal Funds Purchased and Repurchased Agreement | $27.79M |
| All Other Liabilities | $14.04M |
| Total Liabilities and Capital | $1.57B |
Securities
| Securities | $364.77M |
| Available-for-sale debt securities | $364.77M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Dieterich Bank?
$1.57B as of the latest filing.
How much are Dieterich Bank's total deposits?
$1.32B in total deposits.
Where is Dieterich Bank located?
Effingham, IL.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
17.
When was it established?
01/01/1909.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$1.04B (latest filing).
What is the total interest income (latest filing)?
$19.31M.