Demotte State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.82 percentage points higher than in Q1 2026, at 42.61%. Demotte State Bank ranks 25th of 87 Indiana banks on return on assets, in the upper half at 1.58% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Demotte State Bank sits 0.33 points higher, at 1.58% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.85% |
| Equity capital to assets | 8.72% |
| Tangible equity to tangible assets | 8.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.19% |
| Non-performing assets ratio | 1.66% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 19.81% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 42.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 18.74% |
| Net interest margin | 3.20% |
| Efficiency ratio | 57.35% |
| Yield on earning assets | 4.74% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.05% |
| Core deposits to total deposits | 93.12% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.77% |
| Securities to assets | 42.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.24% | 0.94% | 3.05% | 0.88% | -0.00% |
| Q4 2023 | 12.45% | 0.91% | 3.07% | 0.71% | 0.00% |
| Q1 2024 | 12.43% | 0.80% | 3.06% | 0.57% | 0.00% |
| Q2 2024 | 12.63% | 0.90% | 3.09% | 0.41% | 0.00% |
| Q3 2024 | 12.63% | 0.99% | 3.28% | 0.51% | 0.05% |
| Q4 2024 | 12.47% | 0.61% | 3.09% | 0.86% | 0.01% |
| Q1 2025 | 12.37% | 0.16% | 3.03% | 3.65% | 2.60% |
| Q2 2025 | 12.38% | 0.90% | 3.13% | 3.60% | 0.17% |
| Q3 2025 | 11.91% | 0.58% | 3.27% | 2.33% | 0.99% |
| Q4 2025 | 11.79% | 0.81% | 3.20% | 4.27% | -0.01% |
| Q1 2026 | 11.58% | 0.83% | 3.02% | 4.20% | -0.00% |
| Q2 2026 | 11.85% | 1.58% | 3.20% | 3.19% | -0.02% |
Demotte State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Demotte State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)