Demotte State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Demotte State Bank of Demotte, IN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.58% | 1.34% | +0.24% | 68th above |
| ROAE | 18.74% | 13.31% | +5.43% | 82nd top |
| Net Interest Margin | 3.20% | 3.93% | -0.73% | 16th bottom |
| Efficiency Ratio | 57.35% | 61.14% | -3.79% | 62nd above |
| PPNR / Avg Assets | 1.77% | 1.68% | +0.09% | 61st above |
| Yield on Earning Assets | 4.74% | 5.67% | -0.93% | 15th bottom |
| Cost of Funds | 1.76% | 1.88% | -0.12% | 53rd above |
| Net Interest Spread | 2.58% | 3.32% | -0.74% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.19% | 0.94% | +2.25% | 6th bottom |
| NPA / Total Assets | 1.66% | 0.70% | +0.96% | 10th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 91st top |
| ACL / Total Loans | 1.36% | 1.28% | +0.08% | 68th above |
| ACL / NPLs (Coverage) | 42.61% | 1539.66% | -1497.05% | 8th bottom |
| Texas Ratio | 19.81% | 7.32% | +12.49% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.85% | 12.14% | -0.29% | 63rd above |
| Equity / Assets | 8.72% | 11.38% | -2.66% | 23rd bottom |
| TCE / Tangible Assets | 8.72% | 11.09% | -2.37% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.05% | 80.65% | -30.60% | 92nd top |
| Core Deposit Ratio | 93.12% | 86.86% | +6.26% | 74th above |
| Wholesale Funding Ratio | 7.93% | 5.03% | +2.90% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.35% | 6.85% | +1.50% | 77th top |
| Loan Growth (Y/Y) | 0.38% | 7.91% | -7.53% | 24th bottom |
| Deposit Growth (Y/Y) | 8.77% | 6.29% | +2.48% | 79th top |
See Demotte State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Demotte State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Demotte State Bank profile, how to read a UBPR, or how this data updates.