Demotte State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 1.84 percentage points in Q2 2026, from 31.10% to 29.27%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Demotte State Bank is 2nd from the bottom among 87 Indiana banks, 50.05% (Q2 2026). Demotte State Bank reported 50.05% on loan-to-deposit ratio for Q2 2026, 30.79 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $257.7M |
| Net loans and leases | $254.2M |
| Loans held for sale | $0 |
| Loans to total assets | 41.42% |
| Loan-to-deposit ratio | 50.05% |
| Net loans to equity capital | 4.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.72% |
| Multifamily (5+ residential) | 0.54% |
| Commercial and industrial | 23.06% |
| Consumer | 1.15% |
| Credit cards | 0.00% |
| Farm | 13.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.27% |
| Construction concentration (Tier 1 capital + allowance) | 22.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.97% |
| Interest income on loans | $4.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $241.0M | $448.9M | 6.25% | 24.50% | 1.82% |
| Q4 2023 | $248.5M | $458.7M | 6.11% | 26.02% | 1.69% |
| Q1 2024 | $250.8M | $447.8M | 5.94% | 25.50% | 1.58% |
| Q2 2024 | $258.2M | $458.7M | 5.57% | 25.63% | 1.56% |
| Q3 2024 | $256.6M | $446.4M | 5.76% | 25.00% | 1.71% |
| Q4 2024 | $258.7M | $465.5M | 5.71% | 24.16% | 1.65% |
| Q1 2025 | $257.0M | $462.2M | 6.02% | 23.08% | 1.45% |
| Q2 2025 | $256.7M | $473.3M | 6.09% | 23.00% | 1.57% |
| Q3 2025 | $257.6M | $468.9M | 6.18% | 22.58% | 1.40% |
| Q4 2025 | $252.2M | $505.3M | 6.31% | 21.74% | 1.24% |
| Q1 2026 | $252.8M | $501.7M | 6.89% | 21.96% | 1.10% |
| Q2 2026 | $257.7M | $514.9M | 6.72% | 23.06% | 1.15% |
Demotte State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Demotte State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Demotte State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15883) · FFIEC NIC profile (RSSD 539340)