DIETERICH BANK, NATIONAL ASSOCIATION

EFFINGHAM, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1909FDIC #3,787

Satisfactory Same

Current rating · Exam: June 2017

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.95%

Institution Profile

FDIC BankFind

Website

www.dieterichbank.com

Address

300 Sur Woods Dr, EFFINGHAM, IL

County

Effingham County

Established

January 1, 1909

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 5, 2017

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 9 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.3B

Net Loans

$1.0B

Net Income

$4M

ROA

0.95%

Above avg for Community banks. Peer avg: 0.90%

ROE

11.00%

Risk-Based Capital

11.50%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.95%Peer avg: 0.90%▲ Above avg

Risk-Based Capital11.50%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate8.31%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.2B

1-Year Change

5-year net change: +5 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	325	71.08%	8.31%
2023	351	69.23%	10.26%
2022	500	70.8%	11.20%
2021	906	75.5%	7.73%
2020	1,157	80.03%	7.35%
2019	517	83.75%	6.00%
2018	395	79.75%	8.86%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jun 2017	Satisfactory	Intermediate Small Bank
Apr 2013	Satisfactory	Intermediate Small Bank
May 2010	Satisfactory	Small Bank

3 previous ratings locked — back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/c28bd1d6-8a8e-41a4-a4eb-44df38b17cff"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: