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Demotte State Bank
Demotte, IN · FDIC Certificate #15883 · Chartered 02/0
Total assets
$622.05M
Total deposits
$514.86M
Total equity
$54.27M
Net loans
$254.18M
Branches (offices)
10
Net income (YTD)
$3.77M
Rank: #1,516 of 4,213 U.S. banks by assets · #33 of 87 in Indiana. Assets changed 8.4% and deposits 8.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 14.30% |
| Net interest margin (YTD) | 3.21% |
| Equity to assets | 8.72% |
| Tier 1 leverage ratio | 11.85% |
| Uninsured deposits (share of deposits) | 22.1% |
| Noncurrent loans (share of loans) | 3.55% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 49.4% |
| Real estate loans (share of loans) | 61.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $156.18M | 61.4% | |
| Commercial & industrial | $59.42M | 23.4% | |
| Consumer / individual | $2.97M | 1.2% | |
| Construction & development | $17.87M | 7.0% | |
| Agricultural | $38.66M | 15.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $536.46M | $473.73M | $2.28M | $36.42M |
| Jun 2023 | $547.30M | $458.16M | $2.31M | $35.22M |
| Jun 2024 | $553.11M | $458.69M | $2.30M | $39.92M |
| Jun 2025 | $574.10M | $473.33M | $1.51M | $46.77M |
| Jun 2026 | $622.05M | $514.86M | $3.77M | $54.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $514.86M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $514.86M.
Similar-sized banks
The First National Bank Of Carmi ($622.20M) · Phelps County Bank ($621.72M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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