TellerScore

DeMotte State Bank (FDIC certificate #15883) is based in Demotte, Indiana. Its Q2 2026 call report shows $622.0M in total assets and $514.9M in deposits and 10 offices.

DeMotte State Bank has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 76th. Funding & liquidity contributes the most (92/100, 49% loans-to-deposits, 22% uninsured); loan quality contributes the least (0/100, 3.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.85%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.55%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity92/100
Loans ÷ deposits and uninsured-deposit share: 49.4% · 22.1% uninsured
Problem-loan coverage61/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 19.49%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (50 → 54), mostly because the earnings component improved by 28 points.

TellerScore
486479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202477
Q4 202454
Q1 202548
Q2 202550
Q3 202557
Q4 202549
Q1 202651
Q2 202654
Tier 1 leverage ratio
5.00%8.82%12.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.63%
Q3 202412.63%
Q4 202412.47%
Q1 202512.37%
Q2 202512.38%
Q3 202511.91%
Q4 202511.79%
Q1 202611.58%
Q2 202611.85%
Noncurrent loans
0.30%2.30%4.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.30%
Q3 20240.65%
Q4 20243.13%
Q1 20253.67%
Q2 20254.03%
Q3 20252.30%
Q4 20254.30%
Q1 20264.28%
Q2 20263.55%
Return on assets
0.16%0.70%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.89%
Q4 20240.82%
Q1 20250.16%
Q2 20250.54%
Q3 20250.56%
Q4 20250.63%
Q1 20260.85%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$622.0M11.85%3.55%1.23%49.4%
Q1 202651$606.2M11.58%4.28%0.85%49.7%
Q4 202549$610.2M11.79%4.30%0.63%49.2%
Q3 202557$572.6M11.91%2.30%0.56%54.2%
Q2 202550$574.1M12.38%4.03%0.54%53.5%
Q1 202548$561.1M12.37%3.67%0.16%54.8%
Q4 202454$560.9M12.47%3.13%0.82%54.7%
Q3 202477$548.5M12.63%0.65%0.89%56.7%
Q2 202479$553.1M12.63%0.30%0.84%55.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.85%
63rd
Total risk-based capital0.00%
24th
Problem loans3.55%
4th
Net charge-offs-0.01%
90th
Return on assets1.23%
49th
Net interest margin3.21%
16th
Efficiency ratio63.4%
47th
Loans to deposits49.4%
92nd
Uninsured deposits22.1%
56th
Loan-loss reserves1.36%
69th
Texas ratio19.5%
6th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Crossroads BankBank Wabash, IN57 out of 100, Moderate$616.1M9.5%1.41%vs
Freedom BankBank Huntingburg, IN82 out of 100, Strong$585.7M12.6%0.23%vs
First Federal Savings BankBank Evansville, IN61 out of 100, Moderate$575.6M9.5%0.24%vs
Springs Valley Bank & Trust CompanyBank French Lick, IN81 out of 100, Strong$675.3M12.5%0.14%vs
First Federal Savings BankBank Rochester, IN56 out of 100, Moderate$686.6M9.3%0.94%vs
First Federal Savings BankBank Huntington, IN54 out of 100, Below average$553.6M10.5%1.88%vs

Deposit insurance

Is my money safe at DeMotte State Bank?

Yes. DeMotte State Bank is an FDIC-insured institution (FDIC certificate #15883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.1% of deposits ($114.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

DeMotte State Bank lists 9 offices in 9 cities. Most locations:

  • Cedar Lake, IN (1)
  • Demotte, IN (1)
  • Hebron, IN (1)
  • Knox, IN (1)
  • Lowell, IN (1)
  • Morocco, IN (1)
  • Rensselaer, IN (1)
  • Roselawn, IN (1)
  • Wheatfield, IN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, DeMotte State Bank reported 168 home-loan applications under HMDA (LEI 54930074SGHZL5IZGS24): 139 originated ($28,955,000 total), 19 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
DeMotte State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
15883
RSSD ID
539340
Primary regulator
FED
Holding company
Demotte Bcorp
Established
February 2, 1942
Headquarters
210 S Halleck St, Demotte, IN 46310
Employees
122

Quick answers

DeMotte State Bank: common questions

Is DeMotte State Bank FDIC insured?

Yes. DeMotte State Bank is an FDIC-insured institution (FDIC certificate #15883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is DeMotte State Bank's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has DeMotte State Bank ever failed?

There is no failure record for FDIC certificate #15883 in the FDIC failed bank list.

How many branches does DeMotte State Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Demotte

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance BankBank Francesville, IN88 out of 100, Very strong$454.8M12.4%0.01%vs
First Savings Bank of HegewischBank Chicago, IL84 out of 100, Strong$787.0M14.9%0.06%vs
Providence Bank & TrustBank South Holland, IL81 out of 100, Strong$1.6B11.5%0.01%vs
U S #1364 Federal Credit UnionCredit union Merrillville, IN76 out of 100, Strong$222.4M13.6%1.12%vs
Kentland BankBank Kentland, IN75 out of 100, Strong$419.4M12.5%0.56%vs
1st Source BankBank South Bend, IN75 out of 100, Strong$9.3B13.7%0.99%vs