Bank Comparison
Demotte State Bank vs South Story Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Demotte State Bank | South Story Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.58% | 10.77% |
| Equity / Assets | 8.50% | 11.87% |
Profitability
| Metric | Demotte State Bank | South Story Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.83% | 0.56% |
| Return on Equity (ROE) | 9.94% | 4.72% |
| Net Interest Margin (NIM) | 3.02% | 3.69% |
| Yield on Earning Assets | 4.54% | 6.16% |
| Cost of Funds | 1.64% | 2.80% |
Asset quality
| Metric | Demotte State Bank | South Story Bank & Trust |
|---|---|---|
| Texas Ratio | 22.18% | 7.54% |
| Non-Performing Loan Ratio | 4.20% | 0.78% |
| Non-Performing Asset Ratio | 1.92% | 0.88% |
| Net Charge-Off Ratio | 0.00% | 0.08% |
| ACL / Loans | 1.38% | 1.22% |
Balance sheet
| Metric | Demotte State Bank | South Story Bank & Trust |
|---|---|---|
| Total Assets | $606,156K | $607,348K |
| Total Deposits | $501,689K | $483,329K |
| Total Loans | $252,776K | $559,573K |
| Total Equity | $51,544K | $72,064K |
| Net Income (quarter) | $1,292K | $845 |
Liquidity & funding
| Metric | Demotte State Bank | South Story Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 50.38% | 115.77% |
| Core Deposit Ratio | 92.94% | 92.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Demotte State Bank | South Story Bank & Trust |
|---|---|---|
| Headquarters City | DEMOTTE | SLATER |
| Headquarters State | IN | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 10 | 6 |
| Employees (FTE) | 120 | 85 |
| Established | Feb. 2, 1942, midnight | Sept. 1, 1954, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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