Demotte, IN · Cert 15883 · Demotte Bcorp
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #68 of 147 inst. · $0.5B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.56% | 0.63% | 0.85% | 1.23% | +70 bps | |
| Return on Equity | 6.82% | 6.91% | 7.62% | 9.94% | 14.30% | +748 bps | |
| Net Interest Margin | 2.99% | 2.91% | 2.91% | 2.82% | 2.91% | -8 bps | |
| Efficiency Ratio | 70.09% | 70.21% | 70.65% | 70.43% | 63.43% | -666 bps | |
| Non-Interest Burden | 1.93% | 1.89% | 1.91% | 1.84% | 1.54% | -40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.80% | 4.40% | 8.77% | 8.03% | 8.35% | +456 bps | |
| Loan Growth (YoY) | -0.56% | 0.39% | -2.49% | -1.63% | 0.38% | +94 bps | |
| Deposit Growth (YoY) | 3.19% | 5.04% | 8.56% | 8.55% | 8.77% | +558 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.03% | 2.30% | 4.30% | 4.28% | 3.55% | -49 bps | |
| Net Charge-Offs / Loans | 1.39% | 1.26% | 0.96% | 0.00% | -0.01% | -141 bps | |
| Allowance / Loans | 1.35% | 1.33% | 1.38% | 1.38% | 1.36% | +1 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.6x | 0.3x | 0.3x | 0.4x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.38% | 11.91% | 11.79% | 11.58% | 11.85% | -53 bps | |
| Total Risk-Based Capital | 12.38% | 11.91% | 11.79% | 11.58% | 11.85% | -53 bps | |
| Equity / Assets | 8.15% | 8.83% | 8.59% | 8.50% | 8.72% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.23% | 54.93% | 49.91% | 50.38% | 50.05% | -418 bps | |
| Liquid Assets / Assets | 5.08% | 4.26% | 3.92% | 10.85% | 12.77% | +769 bps | |
| CRE / Total Capital | n/a | 52.68% | 48.81% | 51.84% | n/a | n/a | |