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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 $2.8MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $381.0M26%Noninterest $133.8MQ2 2025Q2 2026

NIM

4.44%Q2 ’244.58%Q2 ’254.47%Q2 ’26+0%-1%

Non-interest income vs. expense

2.55%Q2 ’242.49%Q2 ’252.43%Q2 ’26+4%-37%

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 1.61%, up 71 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 3.55% of loans (-49 bps YoY), with net recoveries of 0.02%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.61%+71 bps YoY

Net Interest Margin (quarter, annualized)

3.01%-4 bps YoY

Efficiency Ratio (quarter, annualized)

57.93%-1,205 bps YoY

Tier 1 Leverage Ratio

11.85%-53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.60%0.82%0.85%1.61%+71 bps
Return on Equity11.24%7.13%9.47%9.94%18.74%+751 bps
Net Interest Margin3.05%3.05%2.99%2.82%3.01%-4 bps
Efficiency Ratio69.98%70.43%71.91%70.43%57.93%-1,205 bps
Non-Interest Burden1.98%2.00%2.00%1.84%1.24%-74 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 / Loans4.03%2.30%4.30%4.28%3.55%-49 bps
Net Charge-Offs / Loans0.17%0.99%-0.01%0.00%-0.02%-19 bps
Allowance / Loans1.35%1.33%1.38%1.38%1.36%+1 bps
Allowance Coverage of NPLs0.3x0.6x0.3x0.3x0.4x0.0x
Capital
Tier 1 Leverage Ratio12.38%11.91%11.79%11.58%11.85%-53 bps
Total Risk-Based Capital12.38%11.91%11.79%11.58%11.85%-53 bps
Equity / Assets8.15%8.83%8.59%8.50%8.72%+58 bps
Liquidity & Funding
Loans / Deposits54.23%54.93%49.91%50.38%50.05%-418 bps
Liquid Assets / Assets5.08%4.26%3.92%10.85%12.77%+769 bps
CRE / Total Capitaln/a52.68%48.81%51.84%n/an/a