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DeMotte State Bank

$100M-$1B Specialty: Agricultural IN FDIC cert 15883

Demotte, IN

10 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

DeMotte State Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Delinquency Rate 3.45% above tier average
  • - Nonperforming Asset Ratio 1.31% above tier average
  • - ROA 0.42% below tier average
  • - Net Interest Margin 0.80% below tier average
  • - Efficiency Ratio 5.14% above tier average
Get updates when DeMotte State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $606.2M
+8.0% YoY -0.7% QoQ
+$220.1M $386.1M
+0.5% YoY
$2.5B
+12.1% YoY
$6.2B
+9.1% YoY
81%
Total Loans ? $249.3M
-1.6% YoY +0.2% QoQ
-$6.4M $255.7M
+1.1% YoY
$1.7B
+14.1% YoY
$3.2B
+10.8% YoY
59%
Total Deposits ? $501.7M
+8.5% YoY -0.7% QoQ
+$173.7M $328.0M
+0.1% YoY
$2.0B
+11.8% YoY
$4.8B
+8.2% YoY
80%
Return on Assets ? 0.85%
+416.0% YoY +35.9% QoQ
-0.42% 1.27%
+12.9% YoY
0.81%
-6.6% YoY
1.23%
+13.4% YoY
29%
Net Interest Margin ? 3.13%
-2.7% YoY -5.3% QoQ
-0.80% 3.93%
+6.0% YoY
3.60%
+8.5% YoY
3.89%
+5.7% YoY
15%
Efficiency Ratio ? 70.43%
+0.3% YoY -0.3% QoQ
+5.14% 65.29%
-4.5% YoY
105.71%
+27.0% YoY
66.95%
-4.1% YoY
31%
Delinquency Rate ? 4.34%
+16.6% YoY -0.6% QoQ
+3.45% 0.89%
+18.8% YoY
0.90%
+15.9% YoY
0.95%
+18.8% YoY
Bottom 2.9% in tier
Loan-to-Deposit Ratio ? 49.69%
-9.4% YoY +1.0% QoQ
-26.95% 76.64%
+0.8% YoY
81.10%
+0.7% YoY
76.70%
+0.9% YoY
Top 9.1% in tier
Non-Interest-Bearing Deposit Share ? 26.09%
-2.1% YoY -1.6% QoQ
+4.07% 22.02%
-1.0% YoY
17.15%
-0.9% YoY
22.01%
-1.2% YoY
70%
Nonperforming Asset Ratio ? 1.95%
+16.1% YoY +0.3% QoQ
+1.31% 0.64%
+19.7% YoY
0.67%
+21.6% YoY
0.67%
+19.3% YoY
Bottom 7.4% in tier
Tier 1 Capital Ratio ? 11.58%
-6.3% YoY -1.8% QoQ
-4.25% 15.83%
+1.5% YoY
16.04%
+1.8% YoY
17.06%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.13%
-7.7% YoY -74.5% QoQ
-0.15% 0.28%
+9.3% YoY
0.79%
-14.5% YoY
0.32%
+4.1% YoY
66%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

244
Loan-to-Deposit Ratio
liquidity
Value: 49.69%
Peer Median: 76.64%
#244 of 2664 Top 9.1% in $100M-$1B
506
Total Assets
size
Value: $606.16M
Peer Median: $386.08M
#506 of 2664 Top 19.0% in $100M-$1B
538
Total Deposits
size
Value: $501.69M
Peer Median: $327.97M
#538 of 2664 Top 20.2% in $100M-$1B

Top Weaknesses (3 metrics)

2579
Delinquency Rate
credit_quality
Value: 4.34%
Peer Median: 0.89%
#2579 of 2654 Bottom 2.9% in $100M-$1B
2469
Nonperforming Asset Ratio
credit_quality
Value: 1.95%
Peer Median: 0.64%
#2469 of 2664 Bottom 7.4% in $100M-$1B
2260
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.93%
#2260 of 2664 Bottom 15.2% in $100M-$1B
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