Dieterich Bank


300 Sur Woods Drive
Effingham, IL 62401
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.05% →
1-Year CD 0.50% 1.05% →
2-Year CD 0.75% 1.11% →
5-Year CD 1.25% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Dieterich Bank is an FDIC insured institution located in Effingham, IL. It was founded in 1909 and has approximately $0.8 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 3787
Date Established 1909
Assets $ 801.44 million
Loans $ 508.34 million
Deposits $ 635.88 million
Capital $ 74.61 million

For a more detailed analysis of Dieterich Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 9, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
3 Mo CD
0.30% $10,000 $14,999 Learn More
3 Mo CD
0.30% $100,000 $199,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
0.85% $10,000 $14,999 Learn More
30 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
1.05% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.25% $10,000 $14,999 Learn More
60 Mo CD
1.25% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
0.45% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.08% $2,500 $3,499 Learn MoreShow Less
Checking Rates APY MIN FEE
Get Green 2.00% $0 $0.00 Learn MoreShow Less

Loan Rates - August 9, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Dieterich Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.758% 2.690% 0.88 $2,244 $1,013 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to Dieterich Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Dieterich Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Dieterich Bank Locations

Financial Details

Dieterich Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Dieterich Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Dieterich Bank U.S. Bank Average
9.37% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Dieterich Bank had $6,750,000 in non-current loans and $842,000 in owned real estate. To cover these potential losses it had $74,613,000 in equity and $6,389,000 in loans loss reserves. That gives it a Texas Ratio of 9.37%.

Return on Equity
Dieterich Bank U.S. Bank Average
8.7% 7.80%

Dieterich Bank has a Return on Equity of 8.7% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Dieterich Bank U.S. Bank Average
9.31% 12.68%

Dieterich Bank has a Capitalization of 9.31% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Dieterich Bank Balance Sheet Analysis

As of March 31, 2020, Dieterich Bank had assets of $801,444,000, loans of $508,339,000, and deposits of $635,880,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 29.14 million
Interest-bearing balances $ 12.61 million
Total securities $ 228.63 million
Federal funds sold and reverse repurchase $ 4.58 million
Net loans and leases $ 508.34 million
Loan loss allowance $ 6.39 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.84 million
Goodwill and other intangibles $ 1.14 million
All other assets $ 18.72 million
     Total Assets $ 726.83 million
Total deposits $ 635.88 million
      Interest-bearing deposits $ 522.93 million
      Deposits held in domestic offices $ 635.88 million
      % insured (estimated) 80.69%
Federal funds purchased and repurchase agreements $ 41.15 million
Trading liabilities N.A.
Other borrowed funds $ 44.60 million
Subordinated debt N.A.
All other liabilities $ 5.20 million
      Total Liabilities $ 726.83 million
      Shareholders’ Equity $ 74.61 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 7.22 million
Total Interest Expense $ 1.82 million
Net interest income $ 5.39 million
Provision for loan and lease losses $ 0.40 million
Total non interest income $ 1.20 million
Total non interest expense $ 4.31 million
Pre-tax Net Operating Income $ 1.88 million

Bank Loan Profile?

The top three loan types in Dieterich Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Illinois, Dieterich Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.30
Credit Card Loans 0.00
Consumer Auto Loans 0.92
Small Business Loans 10.24
Construction and Development Loans 6.11
Commercial Real Estate 42.80
Commercial and Industrial Loans 13.97
Farm Loans 2.91

Frequently Asked Questions About Dieterich Bank

Branches and Savings

Is Dieterich Bank FDIC insured?

Yes. It is covered under FDIC Certificate #3787.

Why does Dieterich Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Dieterich Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Dieterich Bank a commercial bank?


Where are Dieterich Bank locations?

See branch locations nearby.

Is Dieterich Bank open on Saturdays?

Is Dieterich Bank open on Sundays?

What time does Dieterich Bank open?

What time does Dieterich Bank close?

Are Dieterich Bank ATMs Open 24/7?

Do Dieterich Bank ATMs accept cash deposits?

Can Dieterich Bank customers use other ATMs?

Do Dieterich Bank branches have notaries?

Will Dieterich Bank notarize my document?

What address for Dieterich Bank should I put for incoming ACH transfers?

Will the Dieterich Bank branch print checks?

Do Dieterich Bank checks expire?

Does Dieterich Bank require US citizenship to open account?

Can Dieterich Bank close my account?

Does Dieterich Bank Report to credit bureaus?

Does Dieterich Bank Use Equifax?

What is Dieterich Bank's ACH Routing Number?

What is Dieterich Bank's SWIFT code?


Does Dieterich Bank offer mortgages?

Compare mortgage rates here.

Does Dieterich Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Dieterich Bank offer personal loans?

Compare personal loan rates here.

Does Dieterich Bank offer student loans?

Will Dieterich Bank cash a check?

Will Dieterich Bank redeem a savings bond?

Does Dieterich Bank cash savings bonds?

Will Dieterich Bank cash money orders?

Can Dieterich Bank issue a money order?

Does Dieterich Bank do currency exchange?

Background on The Bank

Who owns Dieterich Bank?

How long has Dieterich Bank been around?

Can Dieterich Bank transfer to other banks?

Does Dieterich Bank have quick pay?

Does Dieterich Bank accept rolled coins?

Will Dieterich Bank accept loose change?

Where is Dieterich Bank headquarters?

Customer Reviews for Dieterich Bank

There are currently no comments for Dieterich Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →