Bank · FDIC insured
Dieterich Bank
A $1.6B bank headquartered in Effingham, IL, with 17 branches in Illinois. Best rates: CDs 3.70% and savings 0.10% APY.
Dieterich Bank Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#54 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Dieterich Bank
Dieterich Bank was chartered in 1909 as the First National Bank of Dieterich to provide crucial financial service to local farmers, merchants, and residents of the Village of Dieterich.
The institution simplified its name to Dieterich Bank in September 2015 and officially converted to an Illinois state bank charter on June 25, 2018.
Headquartered with a Corporate Center in Effingham, Illinois, the bank operates 14 branch locations across central and southwestern Illinois.
- Headquarters
- 300 Sur Woods Dr, Effingham, IL 62401
- FDIC certificate
- 3787 ↗
Branches
17 branches in Illinois
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Illinois
17 branches
St. Louis area · 7
- Breese North Branch9420 Holy Cross Lane, Breese, IL 62230Directions
- Breese South Branch550 N 2nd St, Breese, IL 62230Directions
- Columbia Branch218 N Main St, Columbia, IL 62236Directions
- Edwardsville Branch2159 S State Route 157, Edwardsville, IL 62025Directions
- Trenton Branch104 E Broadway, Trenton, IL 62293Directions
- Waterloo Branch1405 N Illinois Route 3, Waterloo, IL 62298Directions
- Waterloo Downtown Branch101 N Main St, Waterloo, IL 62298Directions
Effingham area · 5
- Dieterich BankMain office300 Sur Woods Dr, Effingham, IL 62401Directions
- Dieterich Branch101 S Main St, Dieterich, IL 62424Directions
- Effingham Branch510 W Fayette Ave, Effingham, IL 62401Directions
- Lake Sara Branch10911 East State Hwy 33, Effingham, IL 62401Directions
- Teutopolis Branch1510 E. Fayette Ave., Effingham, IL 62401Directions
Red Bud area · 2
- Red Bud North Branch115 W Market St, Red Bud, IL 62278Directions
- Red Bud South Branch1411 S Main St, Red Bud, IL 62278Directions
Chester area · 1
- Chester Branch2231 State St, Chester, IL 62233Directions
Newton area · 1
- Newton Branch1108 S Van Buren St, Newton, IL 62448Directions
St. Elmo area · 1
- Saint Elmo Branch423 E Cumberland Rd, St. Elmo, IL 62458Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.42% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.87% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.68% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $79 | $88 | — |
- CapitalLeverage ratio8.42%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.87%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.68%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$79Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Dieterich Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.