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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.61% | 0.16% | 0.90% | 0.60% | 0.82% | 0.85% | 1.61% | +71 bps | |
| Return on Equity | 12.54% | 7.54% | 2.14% | 11.24% | 7.13% | 9.47% | 9.94% | 18.74% | +751 bps | |
| Net Interest Margin | 3.23% | 3.01% | 2.96% | 3.05% | 3.05% | 2.99% | 2.82% | 3.01% | -4 bps | |
| Efficiency Ratio | 66.06% | 72.42% | 70.21% | 69.98% | 70.43% | 71.91% | 70.43% | 57.93% | -1,205 bps | |
| Non-Interest Burden | 1.93% | 2.03% | 1.91% | 1.98% | 2.00% | 2.00% | 1.84% | 1.24% | -74 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 / Loans | 0.65% | 3.13% | 3.67% | 4.03% | 2.30% | 4.30% | 4.28% | 3.55% | -49 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 2.62% | 0.17% | 0.99% | -0.01% | 0.00% | -0.02% | -19 bps | |
| Allowance / Loans | 1.38% | 1.52% | 1.40% | 1.35% | 1.33% | 1.38% | 1.38% | 1.36% | +1 bps | |
| Allowance Coverage of NPLs | 2.1x | 0.5x | 0.4x | 0.3x | 0.6x | 0.3x | 0.3x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.63% | 12.47% | 12.37% | 12.38% | 11.91% | 11.79% | 11.58% | 11.85% | -53 bps | |
| Total Risk-Based Capital | 12.63% | 12.47% | 12.37% | 12.38% | 11.91% | 11.79% | 11.58% | 11.85% | -53 bps | |
| Equity / Assets | 8.62% | 7.45% | 7.95% | 8.15% | 8.83% | 8.59% | 8.50% | 8.72% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.47% | 55.57% | 55.60% | 54.23% | 54.93% | 49.91% | 50.38% | 50.05% | -418 bps | |
| Liquid Assets / Assets | 4.90% | 5.52% | 5.27% | 5.08% | 4.26% | 3.92% | 10.85% | 12.77% | +769 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 52.68% | 48.81% | 51.84% | n/a | n/a | |