Demotte State Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 3.19% from 4.20% in the prior period. Operating from Demotte, IN, Demotte State Bank serves its local market as an FDIC-insured commercial bank, anchoring the Midwest banking market. On its most recent Q2 2026 call report, Demotte State reported $622M in total assets against $515M in deposits. The bank posts a strong 1.58% ROA and 18.74% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.85% exceeds the CBLR threshold. Credit metrics show stress, 3.19% NPLs and a 19.81% Texas Ratio above the 100% historical failure threshold. It operates 10 branches, primarily in Indiana.
As of June 30, 2026, Demotte State Bank reported a Tier 1 leverage ratio of 11.85%, a return on assets of 1.58%, a nonperforming-loan ratio of 3.19%, a Texas ratio of 19.81%, per financial data filed with the FFIEC.
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
- Offices
- 10 domestic
- Employees (FTE)
- 122
- Domestic deposits
- $514.9M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- -$18K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Demotte State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Demotte State 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Demotte State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.85% | 1.58% | 3.19% | 19.81% | 3.20% |
| Q1 2026 | 11.58% | 0.83% | 4.20% | 22.18% | 3.02% |
| Q4 2025 | 11.79% | 0.81% | 4.27% | 21.91% | 3.20% |
| Q3 2025 | 11.91% | 0.58% | 2.33% | 11.34% | 3.27% |
| Q2 2025 | 12.38% | 0.90% | 3.60% | 21.40% | 3.13% |
| Q1 2025 | 12.37% | 0.16% | 3.65% | 20.01% | 3.03% |
| Q4 2024 | 12.47% | 0.61% | 0.86% | 18.28% | 3.09% |
| Q3 2024 | 12.63% | 0.99% | 0.51% | 3.83% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| 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
What the public regulatory sources show for Demotte State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IN, rank 52 of 131 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Demotte State Bank headquartered?
Demotte State Bank is headquartered in Demotte, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Demotte State Bank founded?
Demotte State Bank was established in 1942, per the FDIC institution directory.
Is Demotte State Bank FDIC-insured?
Yes. Demotte State Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Demotte State Bank operate?
Demotte State Bank 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?
Demotte State Bank's Texas Ratio is 19.81% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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