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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Demotte, IN · FDIC certificate #15883
DEMOTTE STATE BANK is an FDIC-insured institution based in Demotte, IN (FDIC certificate #15883). In its Q3 2026 Call Report it reported total assets of $594M, total deposits of $503M and net loans of $259M. Its primary federal regulator is FED.
Plain-language readout
DEMOTTE STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $622M in Q2 2026 and were lowest at $594M in Q3 2026.
Total deposits were highest at $515M in Q2 2026 and lowest at $502M in Q1 2026.
Over the whole period total assets fell 2.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $594M | $503M | $259M | 1.15% | 13.63% | 3.30% |
| Q2 2026 | $622M | $515M | $254M | 1.23% | 14.30% | 3.21% |
| Q1 2026 | $606M | $502M | $249M | 0.85% | 9.94% | 3.13% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $63.2M | $49.6M | +$13.6M | +27.4% |
| Federal funds sold | $1.0M | $938K | +$78K | +8.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $266.8M | $269.7M | -$2.9M | -1.1% |
| Equity securities with readily determinable fair values, not held for trading | $69K | $58K | +$11K | +19.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $254.2M | $249.3M | +$4.9M | +2.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.1M | $7.0M | +$113K | +1.6% |
| Other real estate owned | $2.1M | $1.0M | +$1.1M | +110.4% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $27.6M | $28.5M | -$955K | -3.3% |
| Total assets | $622.0M | $606.2M | +$15.9M | +2.6% |
| Liabilities | ||||
| Total deposits | $514.9M | $501.7M | +$13.2M | +2.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $347K | $549K | -$202K | -36.8% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $49.0M | $49.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.6M | $3.4M | +$205K | +6.1% |
| Total liabilities | $567.8M | $554.6M | +$13.2M | +2.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $12.9M | $12.9M | $0K | 0.0% |
| Retained earnings | $61.4M | $59.4M | +$2.0M | +3.4% |
| Accumulated other comprehensive income | -$20.1M | -$20.8M | +$702K | +3.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $54.3M | $51.5M | +$2.7M | +5.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $11.3M | $11.8M | -$562K | -4.8% |
| Adjusted nonperforming assets | $10.9M | $11.4M | -$510K | -4.5% |
| Tangible equity plus allowance | $57.8M | $55.0M | +$2.7M | +5.0% |
| Texas ratio (gross) | 19.49% | 21.48% | -1.99 pts | See points |
| Texas ratio (adjusted) | 18.89% | 20.76% | -1.87 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 19.21% | 21.46% | -2.24 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.85% | 11.58% | +0.27 pts | See points |
| Construction and land loans to total capital | 22.94% | 24.67% | -1.73 pts | See points |
| Commercial real estate to total capital | 29.27% | 31.10% | -1.84 pts | See points |
| Dividend payout, year to date | 12.20% | 0.00% | +12.20 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -34.85% | -37.28% | +2.43 pts | See points |
| Liquidity | ||||
| Core deposits | $479.4M | $466.2M | +$13.2M | +2.8% |
| Non-core funding | $84.8M | $85.0M | -$219K | -0.3% |
| Loans to core deposits | 53.75% | 54.21% | -0.47 pts | See points |
| Loans to deposits | 50.05% | 50.38% | -0.34 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 34.85% | 33.95% | +0.91 pts | See points |
| Loans pledged, share of loans | 25.86% | 26.57% | -0.71 pts | See points |
| Volatile liabilities | $84.8M | $85.0M | -$219K | -0.3% |
| Earnings | ||||
| Earnings before provision, year to date | $4.3M | $1.5M | +$2.8M | +180.8% |
| Earnings before provision, single quarter | $2.8M | $1.5M | +$1.2M | +80.8% |
| Provision for credit losses, year to date | $4K | $0K | +$4K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.97% | 6.72% | +0.24 pts | See points |
| Yield on interest-bearing balances due from banks | 3.63% | 3.33% | +0.30 pts | See points |
| Total interest income to average assets | 4.47% | 4.28% | +0.19 pts | See points |
| Cost of interest-bearing transaction accounts | 0.10% | 0.10% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.16% | 0.18% | -0.02 pts | See points |
| Cost of time deposits | 4.44% | 4.53% | -0.09 pts | See points |
| Total interest expense to average assets | 1.46% | 1.45% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $594M | $503M | $259M | 1.15% | 13.63% | 3.30% |
| 2026-06-30 | $622M | $515M | $254M | 1.23% | 14.30% | 3.21% |
| 2026-03-31 | $606M | $502M | $249M | 0.85% | 9.94% | 3.13% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $473.3M | 0.22% | 54 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.