| Metric | DeMotte State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.9% | +3.4 pts |
| Deposit growth (YoY) | +8.8% | +4.3% | +4.4 pts |
| Loan growth (YoY) | +0.4% | +5.3% | -5.0 pts |
| ROA | 1.23% | 1.28% | -0.0 pts |
| ROE | 14.3% | 12.4% | +1.9 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $622.0M | $514.9M | $254.2M | $54.3M | $3.8M | 1.23% | 3.21% | 1.81% |
| Q1 2026 | $606.2M | $501.7M | $249.3M | $51.5M | $1.3M | 0.85% | 3.13% | 1.95% |
| Q4 2025 | $610.2M | $505.3M | $248.7M | $52.4M | $3.6M | 0.63% | 3.30% | 1.94% |
| Q3 2025 | $572.6M | $468.9M | $254.1M | $50.6M | $2.4M | 0.56% | 3.33% | 1.03% |
| Q2 2025 | $574.1M | $473.3M | $253.2M | $46.8M | $1.5M | 0.54% | 3.26% | 1.80% |
| Q1 2025 | $561.1M | $462.2M | $253.4M | $44.6M | $231K | 0.16% | 3.21% | 1.68% |
| Q4 2024 | $560.9M | $465.5M | $254.7M | $41.8M | $4.5M | 0.82% | 3.31% | 1.44% |
| Q3 2024 | $548.5M | $446.4M | $253.0M | $47.3M | $3.7M | 0.89% | 3.34% | 0.30% |
Loan mix (Q2 2026): real estate $156.2M · commercial $59.4M · consumer $3.0M · securities $266.9M
| Ratio | DeMotte State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.28% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 61.2% | 57th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | DeMotte State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | DeMotte State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | DeMotte State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | DeMotte State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | DeMotte State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
10 branches in 5 counties across 1 state (+0 vs 2024) · $473.3M branch deposits. Biggest market: Jasper, IN, ranked 2nd with 27.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jasper, IN | 4 | $270.0M | 27.61% | 2nd |
| Lake, IN | 2 | $112.6M | 0.68% | 18th |
| Newton, IN | 2 | $44.1M | 9.03% | 4th |
| 2 more counties with Pro → | ||||
Indiana: 73rd with 0.19% · Chicago-Naperville-Elgin metro: 87th, 0.07% ·
Branch count: 2022 11 · 2023 11 · 2024 10 · 2025 10