Demotte State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 3.20%. Demotte State Bank ranks 69th of 87 Indiana banks on net interest margin, in the lower half at 3.20% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Demotte State Bank sits 0.75 points lower, at 3.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | 6.97% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $1.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.05% | 1.08% | 3.05% | 6.21% | 1.90% |
| Q4 2023 | 4.15% | 1.18% | 3.07% | 6.37% | 1.94% |
| Q1 2024 | 4.25% | 1.28% | 3.06% | 6.47% | 2.01% |
| Q2 2024 | 4.49% | 1.51% | 3.09% | 6.81% | 1.98% |
| Q3 2024 | 4.84% | 1.79% | 3.28% | 7.43% | 2.14% |
| Q4 2024 | 4.64% | 1.78% | 3.09% | 6.95% | 2.37% |
| Q1 2025 | 4.59% | 1.79% | 3.03% | 6.76% | 2.46% |
| Q2 2025 | 4.67% | 1.78% | 3.13% | 6.93% | 2.52% |
| Q3 2025 | 4.84% | 1.82% | 3.27% | 7.22% | 2.60% |
| Q4 2025 | 4.78% | 1.81% | 3.20% | 7.08% | 2.75% |
| Q1 2026 | 4.54% | 1.77% | 3.02% | 6.72% | 2.80% |
| Q2 2026 | 4.74% | 1.76% | 3.20% | 6.97% | 2.94% |
Demotte State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Demotte State Bank, freeSource: Call Report Schedules RI and RC-K, 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)