# DEMOTTE STATE BANK
DEMOTTE, IN · FDIC certificate 15883 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $622.0M | |
| Deposits | $514.9M | |
| Loans and leases | $257.7M | |
| Total equity | $54.3M | |
| Loans / deposits | 49.37% (p6 of band) | 82.04% |
| Liquid assets / assets | 53.23% (p94 of band) | |
| Uninsured deposits / deposits | 22.14% (p36 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.93% (p70 of band) | |
| FHLB advances / assets | 7.88% | |
| Tier 1 leverage | 11.85% (p67 of band) | 10.81% |
| Unrealized securities loss / equity | -47.89% (p5 of band) | -8.10% |
| AOCI / equity | -2.71% (p4 of band) | |
| ROA (annualized) | 1.23% (p47 of band) | 1.28% |
| Net interest margin | 3.21% (p16 of band) | 3.91% |
| Efficiency ratio | 63.43% (p57 of band) | |
| Noncurrent loans | 3.55% (p96 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 38.31% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 32.92% (p40 of band) | |
| Auto loans | $2.2M (0.84% of loans; DQ 0.23%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 122 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 | noncurrent p90 | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | noncurrent p90 |
| 2020-09 | 2 | noncurrent p90 |  |
| 2020-12 | 1 |  | noncurrent p90 |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 0 |  | reserve under noncurrent, capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 5 | capital falling, charge-offs p90 |  |
| 2025-06 | 4 |  | capital falling |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | capital falling |  |
| 2026-03 | 4 |  | charge-offs p90 |
| 2026-06 | 3 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-23 [DeMotte State Bank announces 2026 officer promotions in DeMotte - Newsbug.info](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPZG5WcF93U3FScXJ5MEZ5RlZQVHE0YjJvOXNCUnlSQXpUQ1ZvNUpUb0FnYUstV1NEMU9FYU5KcmpzTkJqZzdHWUZ5WURVa0R3WnNZNDVJc3o1VldWUzRxYmRPOTktZjQ1ZWpuSl9NSWdobjV5S2NHTGd5NVZiU2M5MkxGUkd6cnlGZENrNzdhZ2hBaFFTLWdteHFSVV9pNDlpQ2x0V1VTRlh4UFkzWWtxOGpVR3hHNDV3d0NCaGFQRlJVbmVqTFNMMkpBa0UySmVCRjlBeUFKY1MxQlBrdHZyRzhKQWRIN2lCYUVpWXpJWjFSSmROQ3FNNA?oc=5) · Newsbug.info
- 2024-02-21 [DeMotte State Bank announces officer promotions - Newsbug.info](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQanpmbWZMaGxSaGsxVjVYdzFKd3kxMmY3NDMwQWFkN1MzeFc4a19TbUJpRWs4UDExVk5fZUxGQnBkYmNjMGhlZi1najM2M0I3WVhVRVdGaUpGNXE0eHh2Ml83djYwcjhYRFQtYUV6U1ZTMDVpX2w5NWk1R29CUHZFd3JNdERuUkNDNURuaHlwcGd6RDlSdkRPRVJfeGdMTnBPZ3ZzQ05HeEZ3eGZmbjVkcVJ5QUtERmg5bm55S2pERHNPdjhuZmI4UFp3NVRJU0RQNnJXSjU3aHliYVIxOVk2cDVXUTNtTTJ6a29JYnB3?oc=5) · Newsbug.info
- 2017-01-04 [Suspect sought in Morocco bank robbery - Newsbug.info](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPSUxhbzZzYWtiVkY4U09qYTNRSmczOEl2R2VQOUtjZmIyN001eUlSQ3M2Qk1PLV9EZWRaTXhkNEFIMTc5SGM5TDljRVYxSVFqT0tYdmdibW9HZ3JfS1pTN3JYcXc4NXVmVFFWLW5KQkNzenplLVBXc3ZLZlpBeFhMWnFlc18wOWN6d0FWTk9FUVhDLWwwTmtGZjNZdjlPelQ4TUF0UW1sNDdKTkU2YlNlVWx2dXFmU1ZiYkVFOVU5MUxkNjhrVHU4SGlCVXZ1ZVlIZnExS2RUQ2p0WjdM?oc=5) · Newsbug.info
- 2023-08-31 [DeMotte State Bank honors local educators with "Treat Your Teacher!" Promotion - Newsbug.info](https://news.google.com/rss/articles/CBMilgJBVV95cUxORVpkRUx4R29IbklEOU1sbGdxeUV0Tk5TWmJCQ003dDJ3X1czWWFPVlhpd3NLZE5tcGlUQm0waXBjNEdUODRuVThjOWlOMl9ScXR5bHFGTUFYRnFlQ3A5RVFBc1duRDhjS0lmOGFhbFFqNmVfajZocUJtc1BhbGJSZDZuUEZmaTdDUW5saWViSFZzekFyVkJOVzNYbjE4WjEwUE82TG1nYzlNY3M2Vkg5OG81ckppYUNXYTJVek1pbFkydGY1OHBNZl9oSElJM0FJUS1JVEZVczhMdXM5c2dqV0lJMDF1LUdkbWtTcEYxSFRHWDdpWVozZjVNWjlHeC00VVVwM0l5MVdPNm52QXlJbl94b2V3dw?oc=5) · Newsbug.info
- 2022-01-18 [DeMotte State Bank promotes two to officer positions - Newsbug.info](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPcGxNUFdpM3BSVHlRZURFZjFTYVFqb3Q2cWN1N211SklRTE14WlVnQjNvVFJBSEtjQTRYam9oNWpHVTNlblduZTBIMDQyXzV6cTJVMjAwQmZRSnRqeGZwb3NuODJ0ajdjb3lpZ2I1aXBDc3VicC1xekk0WWU5bVlwV1hIOUhoZ2hVaFNoWklueEJPY0lhamVLWFdCdUg3MDNoZzFvN0swck9WMFlaenhVX0d1Ymg2Y0QyT0lfYmVOZWhCbTRadE52d3Z1Wm5BMndGUUR4Y3I5WE9qbEV0SU0zVXJZcUx0X01ZRWRYWW9YWV9oMmh1X1E?oc=5) · Newsbug.info
- 2022-01-18 [DeMotte State Bank promotes two to officer positions - Newsbug.info](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQM2lwQjV2TG1DOXhUd2czOVhVd1lzQWFsbmtCUDJKUVNSbGxyR1FEdk8zU1FOTG95NUFZVEJ0TS1XbUVjdmpZRlFZNGNKcUNCWkRVelBFa2dqVFFMRXpvOWltZnNNUkZQV3FteU1STjZNMkhxeXhwd3FYeUVRYlF2WlRlZ2RrNWF5RHBkLXdlNVRKVGNfUGMxSUZ6OW5yZHVkN3YzZy0yWDVxU1pEZW1tcXlMMTE1TC1kWG9QdzdPUW9zUXY3ODRfYmZpR21BVThjSlhOOHVsdGxmMGNNQkxEVzVCcUNkVjhjcHVtSkwzSW0?oc=5) · Newsbug.info
- 2017-03-07 [DeMotte State Bank announces officer promotions - Newsbug.info](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNQXJRcGo3ZWhzeDRxcDNFUzFndUh2X3hmMjYxWUlkY1E1dlhoRlFJODhTWjBvTzctaHc3UmItRTFYbEJhVE1tbnRabnJ4TjBjN0RvXzZ2NkQyMlpPcjY5TDVPcGQ3MWNWVGZLQ0djYWtObWxfTUlCYTFkc25YdUo4VEtzS1lDMTluRUFhNFhvVzlDcENwMUhBUkkxMGxiaFA2UEFjOWFjTk0xQTBMNDlHOHQ0MGc3MDNYbEgtR29FOHVKNjBmV3JOWHVRNS0weU44dlVTSGhBbkxVSnIydzJlZ2tsR29MMC1S?oc=5) · Newsbug.info
- 2011-09-09 [Two arrested in connection with DeMotte bank robbery - Newsbug.info](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNTFJ1QVlvU242Sl80OFc5QUpMZWNNUEF1enRIazdOc21oLUVPY2FuTkViNTNTdU9YeUNoQkk3eWpTY3BFeWdOUUZKR1hHZ3lZNlo3TDRRa2syMXZ4bTRfTVd3cmFWRHgxc3J2eU1XTDBfaHByc1pJel9La2dzREVKYnBSa3pCby1PYnNmRnhtdnpfMU5uMTlaVVZLdGQzR25oWUlDUWN5bXU5eDJ5OWlvYWt6TmE1M1F2ZDJKUzRHLU9ZWVp3TE9PeXptQ1QwTXFSTDVZTndCX3poTzdhZnNYV3dEUWFuMDVDZ2M4eVB6aw?oc=5) · Newsbug.info

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15883 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "15883", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide