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Demotte State Bank

Demotte, IN · Cert 15883 · Demotte Bcorp

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

63

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Demotte State Bank

Demotte, IN · Cert 15883 · Demotte Bcorp

State charter, Fed member · FED · 10 branches

Q2 2026

$622.0MAssets
$257.7MLoans
$514.9MDeposits
$54.3MEquity
Loan mix
73%RE $155.4M26%C&I $55.5M1%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $381.0M26%Noninterest $133.8MQ3 2024Q2 2026

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #68 of 147 inst. · $0.5B of $630.7B

28.8% Jasper
0.8% Lake
9.2% Newton
0.5% Porter

Executive Summary

  • Earnings: ROA of 1.23%, up 70 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 3.55% of loans (-49 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.85%, down 53 bps from a year ago.
  • Funding: loans stand at 50.05% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.23%+70 bps YoY

Net Interest Margin (YTD, annualized)

2.91%-8 bps YoY

Efficiency Ratio (YTD, annualized)

63.43%-666 bps YoY

Tier 1 Leverage Ratio

11.85%-53 bps YoY

NIM

4.32%Q2 ’244.51%Q2 ’254.36%Q2 ’26-1%-3%

Non-interest income vs. expense

2.59%Q2 ’242.47%Q2 ’252.38%Q2 ’26-2%-21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.82%0.16%0.54%0.56%0.63%0.85%1.23%+70 bps
Return on Equity11.80%10.85%2.14%6.82%6.91%7.62%9.94%14.30%+748 bps
Net Interest Margin3.05%3.03%2.96%2.99%2.91%2.91%2.82%2.91%-8 bps
Efficiency Ratio69.47%70.19%70.21%70.09%70.21%70.65%70.43%63.43%-666 bps
Non-Interest Burden1.94%1.95%1.91%1.93%1.89%1.91%1.84%1.54%-40 bps
Growth
Asset Growth (YoY)3.65%2.58%2.64%3.80%4.40%8.77%8.03%8.35%+456 bps
Loan Growth (YoY)6.44%4.07%2.46%-0.56%0.39%-2.49%-1.63%0.38%+94 bps
Deposit Growth (YoY)-0.56%1.47%3.22%3.19%5.04%8.56%8.55%8.77%+558 bps
Asset Quality
Nonperforming Loans / Loans0.65%3.13%3.67%4.03%2.30%4.30%4.28%3.55%-49 bps
Net Charge-Offs / Loans0.02%0.02%2.62%1.39%1.26%0.96%0.00%-0.01%-141 bps
Allowance / Loans1.38%1.52%1.40%1.35%1.33%1.38%1.38%1.36%+1 bps
Allowance Coverage of NPLs2.1x0.5x0.4x0.3x0.6x0.3x0.3x0.4x0.0x
Capital
Tier 1 Leverage Ratio12.63%12.47%12.37%12.38%11.91%11.79%11.58%11.85%-53 bps
Total Risk-Based Capital12.63%12.47%12.37%12.38%11.91%11.79%11.58%11.85%-53 bps
Equity / Assets8.62%7.45%7.95%8.15%8.83%8.59%8.50%8.72%+58 bps
Liquidity & Funding
Loans / Deposits57.47%55.57%55.60%54.23%54.93%49.91%50.38%50.05%-418 bps
Liquid Assets / Assets4.90%5.52%5.27%5.08%4.26%3.92%10.85%12.77%+769 bps
CRE / Total Capitaln/an/an/an/a52.68%48.81%51.84%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Demotte State Bank

Demotte, IN · Cert 15883 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Demotte Bcorp

State charter, Fed member · FED · 10 branches

Q2 2026

$622.0MAssets
$257.7MLoans
$514.9MDeposits
$54.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 4 of 57).
  • Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 51 of 56).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.21%

Rank 13 of 57

Net Interest Margin

2.91%

Rank 45 of 57

Efficiency Ratio

63.43%

Rank 22 of 57

Equity / Assets

8.72%

Rank 47 of 57

Non-interest income vs. expense

$5.3M$14.9MINCOMEEXPENSE
Unfavorable gap of $9.6M · efficiency ratio beats 63% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 63.43%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.21%0.51%0.84%1.19%Beats 77%13 / 57
Return on Equity13.90%3.13%7.76%11.40%Beats 93%4 / 57
Net Interest Margin2.91%3.16%3.63%4.08%Beats 21%45 / 57
Efficiency Ratio63.43%59.57%69.70%81.06%Beats 63%22 / 57
Asset Quality
Nonperforming Loans / Loans3.55%0.06%0.34%1.78%Beats 11%51 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 48%30 / 56
Capital
Tier 1 Capital Ratio11.85%12.24%16.06%19.69%Beats 19%46 / 57
Total Risk-Based Capital Ratio11.85%12.54%16.50%20.95%Beats 16%48 / 57
Equity / Assets8.72%9.37%11.56%15.00%Beats 18%47 / 57
Liquidity & Funding
Loans / Deposits50.05%66.29%85.59%95.16%5th pctl54 / 57
Loans / Assets41.42%57.07%71.07%78.13%2nd pctl56 / 57
Brokered Deposits / Depositsn/aNot reported for this institution