Dieterich Bank: Bank Stress & Real-Estate Credit Exposure

Dieterich Bank (FDIC Cert #3787) carries a DLRadar bank-stress score of 81/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Dieterich Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. DLRadar maps Dieterich Bank into 7 counties (114 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Illinois (7 counties). Because Dieterich Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 81/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Read against its 7-county reach, a severe score sets the credit tone for every market on its map. DLRadar does not model Dieterich Bank in isolation: the 114-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 7 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Dieterich Bank is held under Prime Banc Corp, so its disclosures are public and its stress trajectory is externally verifiable. At the county level, Dieterich Bank finances markets like Madison County, IL, Fayette County, IL, Randolph County, IL, Clinton County, IL — the specific places where its credit posture translates into local lending capacity.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Dieterich Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.