Dewey Bank
Dewey, Illinois · FDIC Cert #10803
Dewey Bank is an FDIC-insured bank (Certificate #10803) with $29M in total assets and $24M in total deposits as of the Q2 2024 Call Report. Headquartered in Dewey, Illinois, the bank maintains a Tier 1 capital ratio of 11.68% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (85/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Dewey Bank (FDIC cert 10803) is a community bank — $29M in total assets, $24M in deposits, serving the Dewey, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.68% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 28.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.94% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Dewey Bank carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Dewey Bank
- Total Assets
- $29M
- Total Deposits
- $24M
- Tier 1 Capital Ratio
- 11.68%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 28.24%
- Return on Assets
- 0.94%
- Headquarters
- Dewey, Illinois
- FDIC Certificate
- #10803
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Dewey Bank holds a Tier 1 capital ratio of 11.68%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Dewey Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Dewey Bank shows strong financial health indicators. With $29M in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Dewey Bank Compares
Dewey Bank’s Health Score of 85 is 13 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 11.68% Tier 1 capital ratio is 2.3 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.94% is below the national ROA benchmark of ~1.1%. Among 263 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Dewey Bank is 15 points above the portfolio average of 70.
Frequently Asked Questions
Dewey Bank has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.68%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Dewey Bank's Tier 1 capital ratio of 11.68% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Dewey Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10803). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Dewey Bank holds $29M in total assets and $24M in total deposits. It is headquartered in Dewey, Illinois (FDIC Certificate #10803).
Dewey Bank has a Tier 1 capital ratio of 11.68%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 0.94%.
Yes. Dewey Bank is FDIC-insured (Certificate #10803). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Dewey Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.