Dewitt Savings Bank
Clinton, IL · Cert 29535 · Peer group: banks under $1B in assets in IL (n=149-151)
SI · FDIC · 2 branches
Q2 2026
$173.2MAssets
$83.9MLoans
$141.1MDeposits
$16.2MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of banks under $1B in assets in IL (rank 28 of 151).
- Widest gap: net interest margin trails 89% of banks under $1B in assets in IL (rank 135 of 151).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.59%
Rank 123 of 151
Net Interest Margin
2.65%
Rank 135 of 151
Efficiency Ratio
78.82%
Rank 125 of 151
Equity / Assets
9.33%
Rank 109 of 151
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 18% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.70% | 1.03% | 1.34% | Beats 19% | 123 / 151 | | |
| Return on Equity | 6.31% | 6.74% | 9.34% | 12.94% | Beats 22% | 118 / 151 | | |
| Net Interest Margin | 2.65% | 3.02% | 3.43% | 3.83% | Beats 11% | 135 / 151 | | |
| Efficiency Ratio | 78.82% | 54.64% | 64.89% | 72.50% | Beats 18% | 125 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.21% | 0.20% | 0.66% | 1.77% | Beats 37% | 95 / 149 | | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.02% | 0.07% | Beats 16% | 126 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 20.72% | 11.83% | 14.17% | 18.66% | Beats 81% | 28 / 151 | | |
| Total Risk-Based Capital Ratio | 21.22% | 12.22% | 14.54% | 19.92% | Beats 81% | 28 / 151 | | |
| Equity / Assets | 9.33% | 9.10% | 10.65% | 12.40% | Beats 28% | 109 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.47% | 54.39% | 71.02% | 80.75% | 33rd pctl | 100 / 149 | | |
| Loans / Assets | 48.44% | 45.91% | 61.31% | 68.01% | 29th pctl | 107 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |