BlastPoint's Banking Scorecard
Dieterich Bank
Designations: ✓ Community bank
Effingham, IL
17 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits +13.2% year over year ($1.3B on the books).
- Delinquency rate 1.90%.
- Return on assets 0.68%.
- Efficiency ratio 64.34% vs a 59.73% peer average.
- Loan-to-deposit ratio 77.97% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Dieterich Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 0.95% above tier average
- - ROA 0.71% below tier average
- - Net Interest Margin 0.30% below tier average
- - Efficiency Ratio 4.62% above tier average
- - Delinquency Rate 1.03% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+10.8% YoY
+0.2% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$1.0B
+14.6% YoY
+1.5% QoQ
|
-$928.4M |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$1.3B
+13.2% YoY
-0.3% QoQ
|
-$991.6M |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
0.68%
-4.7% YoY
-28.3% QoQ
|
-0.71% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.1% in tier |
| Net Interest Margin ? |
3.57%
+14.4% YoY
+0.8% QoQ
|
-0.30% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
64.34%
-3.7% YoY
+6.1% QoQ
|
+4.62% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
1.90%
+385.8% YoY
+48.5% QoQ
|
+1.03% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.1% in tier |
| Loan-to-Deposit Ratio ? |
77.97%
+1.3% YoY
+1.7% QoQ
|
-7.06% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
15.65%
-9.5% YoY
+0.5% QoQ
|
-5.62% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.63%
+546.7% YoY
+29.2% QoQ
|
+0.95% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.6% in tier |
| Tier 1 Capital Ratio ? |
10.14%
-7.3% YoY
-1.1% QoQ
|
-4.70% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.9% in tier |
| Non-Interest Income / Assets ? |
0.18%
-30.7% YoY
+29.1% QoQ
|
-0.35% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
27% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.6%
-1.6pp YoY +0.1pp QoQ |
-5.7pp | 21.4% | 20.1% | 22.2% | 30% |
| Brokered Deposits |
0.5%
+0.5pp YoY -0.3pp QoQ |
-9.0pp | 9.5% | 8.0% | 8.5% | 12% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.8%
-0.8pp YoY -0.4pp QoQ |
-1.2pp | 14.0% | 14.7% | 12.5% | 58% |
| CRE |
55.1%
-5.5pp YoY +0.4pp QoQ |
+5.0pp | 50.0% | 37.9% | 41.4% | 65% |
| 1-4 Family |
17.3%
+3.2pp YoY -0.1pp QoQ |
-9.2pp | 26.4% | 28.3% | 31.3% | 36% |
| Consumer |
1.3%
0.0pp YoY -0.1pp QoQ |
-3.4pp | 4.7% | 5.4% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.1%
-0.8pp YoY -0.1pp QoQ |
-5.5pp | 15.6% | 19.9% | 19.7% | 2% |
| Leverage Ratio |
8.4%
-0.6pp YoY +0.1pp QoQ |
-2.9pp | 11.3% | 12.2% | 12.6% | 4% |
| Total Capital Ratio |
11.4%
-0.7pp YoY -0.1pp QoQ |
-5.3pp | 16.7% | 20.9% | 20.8% | 3% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
201
+12 (+6.3%) YoY +1 (+0.5%) QoQ |
-113 | 313 | 228 | 482 | 42% |
| Assets per Employee ($) |
$7.7M
+4.2% YoY -0.3% QoQ |
-$2.8M | $10.5M | $8.3M | $8.8M | 36% |
| Branch Count |
17
+2 (+13.3%) YoY 0 QoQ |
-3 | 20 | 10 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.9%
+1.5pp YoY +0.6pp QoQ |
+1.1pp | 0.8% | 1.1% | 1.0% | 91% |
| Allowance Coverage |
0.78x
-78.3% YoY -33.7% QoQ |
-17.93x | 18.71x | 5.62x | 20.23x | 16% |
| Net Charge-off Rate (YTD) |
0.5%
+0.5pp YoY +0.2pp QoQ |
+0.2pp | 0.3% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.9%
-0.6pp YoY -3.1pp QoQ |
-4.7pp | 12.6% | 10.5% | 11.6% | 19% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.6% | 1.7% | 42% |
| Net Income ($, YTD) |
$5.3M
+7.5% YoY — QoQ |
-$13.9M | $19.2M | $11.7M | $40.4M | 13% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.