Total Assets
$610M
Total balance-sheet footings
FDIC Cert #15883 · Demotte, Indiana · Est. 1942
DeMotte State Bank - FDIC Bank Health Profile
A community-scale look at DeMotte State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $610M
- Total assets
- C
- Health grade · Fair
- 0.63%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
DeMotte State Bank earns a PlainBankData health grade of C (56/100), with well-capitalized at 11.79% Tier 1, 0.63% ROA, 71% efficiency ratio.
- #1,555
- largest of 4,313 FDIC banks by assets
- 64th
- percentile by asset size, nationally
- 11.79%
- Tier 1 ratio - above the 10% well-capitalized line
- 21st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How DeMotte State Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
DeMotte State Bank's composite health score
Tier 1 Capital Ratio (11.79%) 28/40
Return on Assets (ROA) (0.63%) 14/25
Texas Ratio (19.41%) 10/20
Efficiency Ratio (70.65%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$505M
Customer-funded liabilities
Net Loans
$249M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where DeMotte State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. DeMotte State Bank's score of 56/100 falls in the highlighted band.
DeMotte State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). DeMotte State Bank's $610M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.79% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.79%
Texas Ratio
19.41%
Equity Capital
$52M
Profitability metrics
Return on Assets (ROA)
21st percentile nationally
0.63%
Return on Equity (ROE)
7.62%
Efficiency Ratio
70.65%
What the numbers say about DeMotte State Bank
DeMotte State Bank is an FDIC-insured institution (Certificate #15883) headquartered in Demotte, Indiana, established in 1942. It holds $610M in total assets - 1,555th of 4,313 FDIC-insured banks, $505M in customer deposits, and $249M in net loans. On safety, its Tier 1 capital ratio of 11.79% is above the 10% well-capitalized threshold, and its Texas Ratio of 19.41% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Indiana, DeMotte State Bank ranks 34th of 90 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$26M
Interest Income
$3M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. DeMotte State Bank reports a Texas Ratio of 19.41% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
19.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) DeMotte State Bank (FDIC Cert #15883) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is DeMotte State Bank's health grade?▼
DeMotte State Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is DeMotte State Bank?▼
DeMotte State Bank holds $610M in total assets and $505M in deposits, ranking 1,555th of 4,313 FDIC-insured banks by asset size. It is headquartered in Demotte, Indiana.
Is my money safe at DeMotte State Bank?▼
Yes, deposits at DeMotte State Bank (Certificate #15883) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is DeMotte State Bank's Tier 1 Capital Ratio?▼
DeMotte State Bank has a Tier 1 Capital Ratio of 11.79%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for DeMotte State Bank?▼
DeMotte State Bank has a Texas Ratio of 19.41%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is DeMotte State Bank?▼
DeMotte State Bank has an Efficiency Ratio of 70.65%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read DeMotte State Bank's profile as a depositor or analyst.
- DeMotte State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare DeMotte State Bank against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.