DeMotte State Bank: how it compares with its peers
Against 42 IN banks with half to twice its assets, DeMotte State Bank's strongest measure in Q2 2026 is return on assets (1.23% vs. a 1.07% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $6.5M).
| Measure | DeMotte State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.23% | 1.07% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.21% | 3.72% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.43% | 64.74% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.5M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.37% | 82.17% | Context |
What it means for lending operations
Its efficiency ratio of 63.43% is better than the 64.74% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Crossroads Bank Wabash, IN · $616M
- Freedom Bank Huntingburg, IN · $586M
- First Federal Savings Bank Evansville, IN · $576M
- Springs Valley Bank & Trust Company French Lick, IN · $675M
- First Federal Savings Bank Rochester, IN · $687M
- First Federal Savings Bank Huntington, IN · $554M
Questions about DeMotte State Bank
How big is DeMotte State Bank?
DeMotte State Bank, established in 1942, is headquartered in Demotte, IN. It reported $622M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is DeMotte State Bank's return on assets?
1.23% annualized in Q2 2026, against a 1.07% median for 42 IN banks with half to twice its assets, ahead of 62% of them.
What is DeMotte State Bank's efficiency ratio?
63.43% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 64.74%, and lower is better.
Is DeMotte State Bank growing its loans?
Net loans grew 0.4% over the year to Q2 2026, while deposits grew 8.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.