BlastPoint's Banking Scorecard
DeMotte State Bank
Demotte, IN
10 branches across IN
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
- Deposits +8.8% year over year ($514.9M on the books).
- Delinquency rate 3.59%.
- Return on assets 1.23%.
- Efficiency ratio 63.43% vs a 64.48% peer average.
- Loan-to-deposit ratio 49.37% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
DeMotte State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.05% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.68% above tier average
- - Nonperforming Asset Ratio 1.14% above tier average
- - ROA 0.09% below tier average
- - Net Interest Margin 0.78% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$622.0M
+8.4% YoY
+2.6% QoQ
|
+$235.5M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$254.2M
+0.4% YoY
+2.0% QoQ
|
-$4.2M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
60% |
| Total Deposits ? |
$514.9M
+8.8% YoY
+2.6% QoQ
|
+$188.1M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
1.23%
+129.8% YoY
+44.8% QoQ
|
-0.09% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
3.21%
-1.5% YoY
+2.6% QoQ
|
-0.78% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
63.43%
-9.5% YoY
-9.9% QoQ
|
-1.05% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
3.59%
-12.1% YoY
-17.1% QoQ
|
+2.68% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.3% in tier |
| Loan-to-Deposit Ratio ? |
49.37%
-7.7% YoY
-0.6% QoQ
|
-28.58% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
Top 8.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.99%
-1.7% YoY
-0.4% QoQ
|
+3.96% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
1.81%
+0.4% YoY
-7.2% QoQ
|
+1.14% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.9% in tier |
| Tier 1 Capital Ratio ? |
11.85%
-4.3% YoY
+2.3% QoQ
|
-4.06% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.43%
+61.5% YoY
+232.8% QoQ
|
-0.14% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
Top 12.8% in tier |
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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.0%
-0.5pp YoY -0.1pp QoQ |
+3.8pp | 22.1% | 16.8% | 22.2% | 69% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
23.4%
+0.1pp YoY +1.1pp QoQ |
+11.8pp | 11.6% | 11.1% | 12.5% | 92% |
| CRE |
14.4%
-1.2pp YoY -0.7pp QoQ |
-25.2pp | 39.5% | 36.2% | 41.4% | 10% |
| 1-4 Family |
33.6%
+4.0pp YoY +0.1pp QoQ |
+1.0pp | 32.6% | 40.0% | 31.3% | 59% |
| Consumer |
1.2%
-0.4pp YoY +0.1pp QoQ |
-2.9pp | 4.1% | 3.2% | 5.0% | 33% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.5% | 19.7% | n/a |
| Leverage Ratio |
11.9%
-0.5pp YoY +0.3pp QoQ |
-0.3pp | 12.2% | 13.0% | 12.6% | 63% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
122
+3 (+2.5%) YoY +2 (+1.7%) QoQ |
+63 | 58 | 237 | 482 | 93% |
| Assets per Employee ($) |
$5.1M
+5.7% YoY +0.9% QoQ |
-$2.4M | $7.5M | $7.5M | $8.8M | 16% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 17 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
-0.2pp YoY +0.2pp QoQ |
+0.1pp | 0.3% | 0.2% | 0.4% | 80% |
| Nonaccrual |
3.2%
-0.3pp YoY -0.9pp QoQ |
+2.2pp | 0.9% | 0.8% | 1.0% | 95% |
| Allowance Coverage |
0.38x
+14.3% YoY +19.0% QoQ |
-23.77x | 24.15x | 6.71x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
-0.0%
-1.4pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.3%
+7.5pp YoY +4.4pp QoQ |
+2.1pp | 12.2% | 11.2% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 43% |
| Net Income ($, YTD) |
$3.8M
+149.1% YoY — QoQ |
+$1.2M | $2.6M | $16.3M | $40.4M | 78% |
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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.