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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