Demotte State Bank
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Data as of · sourced from FFIEC call reports. How we update
Demotte State Bank is an FDIC-insured commercial bank headquartered in Demotte, IN, established in 1942 (FDIC certificate 15883), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $622.0M, up 8.4% from Q2 2025, the 33rd largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15883
- Headquarters
- Demotte, IN
- Established
- 1942
- Total assets, Q2 2026
- $622.0M
- Assets vs Q2 2025
- +8.4%
- Tier 1 leverage ratio, Q2 2026
- 11.85%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 074911138
- Latest call report
- Q2 2026, FFIEC 051 · Demotte State Bank call report
- Holding company
- DEMOTTE BANCORP
- Asset rank in state
- 33rd of 87 in Indiana
Demotte State Bank, based in Demotte, Indiana, reported $622 million in assets at June 30, 2026, up 8.4% from a year earlier. It carries problem assets equal to 18.9% of the capital and reserves that would absorb them, 7.2 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans equal to only 29% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $2.5 million, 93% above the same quarter a year earlier. Its $59 million commercial and industrial book is improving, with 0.37% past due or on nonaccrual, down from 11.91% a year earlier. Its margin is thin by comparison: it keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Demotte State Bank reported a return on assets of 1.58%, a nonperforming-loan ratio of 3.55% and a Texas ratio of 18.89%. The figures come from its call report filed with the FFIEC.
Demotte State Bank ranks as the 33rd largest of the 87 banks based in Indiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.6% to $622.0M, loans rose 1.9% and deposits rose 2.6%. 1-4 family residential loans made up 33.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 23.1%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities in IN; its Demotte office books 45% of its branch deposits. Judged on its Q2 2026 call report, Demotte State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 210 S Halleck St, Demotte, IN 46310
- County
- Jasper
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 2, 1942
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 122
- Domestic deposits
- $514.9M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- -$18K
- Average total assets
- $627.5M
- Average total loans
- $255.5M
- Average interest-bearing deposits
- $338.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 2, 1942
- FDIC Cert
- 15883
- Fed RSSD
- 539340
- Website
- http://www.netdsb.com →
- Parent Holding Company
- DEMOTTE BANCORP (RSSD 1130164)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Demotte State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Demotte State Bank's total assets ranged from $529.1M (Q3 2023) to $622.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$622.0M total assets against $574.1M; $567.8M total liabilities against $527.3M.
$254.2M net loans and leases against $253.2M; $514.9M total deposits against $473.3M.
$266.9M securities against $240.1M; $64.2M cash and balances due against $44.1M.
$7.0M total interest income against $6.5M; $2.3M total interest expense against $2.2M.
$4.7M net interest income against $4.3M.
$1.9M total noninterest income against $736K; $3.8M total noninterest expense against $3.5M.
$4K provision for credit losses against -$15K.
$2.5M net income against $1.3M.
1.58% return on assets against 0.90%; 3.20% net interest margin against 3.13%.
11.85% tier 1 leverage ratio against 12.38%.
Inside the full Demotte State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Demotte State Bank rankings
Its closest position to the top of a national ranking is 198 of 3,640, for Texas Ratio; its furthest is 1,531 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.16% (Q1 2025) to 1.58% (Q2 2026) and its net interest margin ran from 3.02% (Q1 2026) to 3.28% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.85% | 1.58% | 3.55% | 18.89% | 3.20% |
| Q1 2026 | 11.58% | 0.83% | 4.28% | 20.76% | 3.02% |
| Q4 2025 | 11.79% | 0.81% | 4.30% | 20.51% | 3.20% |
| Q3 2025 | 11.91% | 0.58% | 2.30% | 8.86% | 3.27% |
| Q2 2025 | 12.38% | 0.90% | 4.03% | 17.72% | 3.13% |
| Q1 2025 | 12.37% | 0.16% | 3.67% | 16.89% | 3.03% |
| Q4 2024 | 12.47% | 0.61% | 3.13% | 17.06% | 3.09% |
| Q3 2024 | 12.63% | 0.99% | 0.65% | 1.64% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Demotte State Bank (main office) | Demotte , IN | 46310 | $232.5M |
| Cedar Lake Banking Center | Cedar Lake , IN | 46303 | $63.4M |
| Lowell Branch | Lowell , IN | 46356 | $62.3M |
| Rensselaer Branch | Rensselaer , IN | 47978 | $37.1M |
| Morocco Branch | Morocco , IN | 47963 | $24.4M |
| Wheatfield Banking Center | Wheatfield , IN | 46392 | $24.2M |
| Hebron Branch | Hebron , IN | 46341 | $23.9M |
| Knox Branch | Knox , IN | 46534 | $23.7M |
| Roselawn Branch | Roselawn , IN | 46372 | $23.3M |
| De Motte Plaza Branch | De Motte , IN | 46310 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 21, 1987 | Structure Change | Acquired Morocco State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 20, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 52 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 169 applications, 139 loans originated, $29.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $360K approved, $360K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Demotte State Bank
What are Demotte State Bank's total assets?
As of the Q2 2026 filing, Demotte State Bank reported total assets of $622.0 million in its FFIEC call report.
Where is Demotte State Bank headquartered?
It is headquartered in Demotte, IN, United States.
When was Demotte State Bank founded?
It was established in 1942, per the FDIC institution directory.
Is Demotte State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Demotte State Bank?
Demotte State Bank's primary federal regulator is the Federal Reserve.
How many branches does Demotte State Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Demotte State Bank's Texas Ratio?
Its Texas Ratio is 18.89% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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