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Overview / Commentary
210 South Halleck Street
Demotte, IN 46310

DeMotte State Bank is headquartered in Demotte and is the 40th largest bank in the state of Indiana. It is also the 1,769th largest bank in the nation. It was established in 1942 and as of June of 2014, it had grown to 117 employees at 11 locations. DeMotte State Bank's savings rates are 2X the national average, and it has a B health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 DeMotte State Bank had $12.96 million in non-current loans and owned real-estate with $46.96 million in equity and loan loss allowances on hand to cover it. This gives DeMotte State Bank a Texas Ratio of 27.61% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for DeMotte State Bank experienced no significant changes from 27.46% as of June 30, 2013 to 27.61% as of June 30, 2014, resulting in a negative change of 0.56%. This indicates that the balance sheet and financial strength for DeMotte State Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, DeMotte State Bank has decreased its total deposits by -$3.06 million, resulting in -1.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth DeMotte State Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. DeMotte State Bank has $372.35 million in assets with $46.96 million in equity, resulting in a capitalization level of 12.61%, which is excellent.

Institution Statistics

FDIC Certificate #15883
Year Established1942
Primary RegulatorFED
Assets and Liabilities
Assets$372.35 million
Loans$188.75 million
Deposits$283.84 million
Equity Capital$44.01 million
Loan Loss Allowance$2.95 million
Unbacked Noncurrent Loans$10.46 million
Real Estate Owned$2.51 million
Historic Data - June 2013
Assets$366.36 million
Equity Capital$41.71 million
Loan Loss Allowance$3.02 million
Unbacked Noncurrent Loans$10.46 million
Real Estate Owned$2.54 million
Profit Margin - Quarterly
Return on Assets0.91%
Return on Equity7.9%
Interest Income$7.28 million

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DeMotte State Bank Savings Account Rates

1.16%$100-Savings Growth Account
0.10%--Savings Account

DeMotte State Bank Money Market Rates

0.15%$100k-Smart Investor Money Market Account
0.05%$2,500-Super Money Market Account

DeMotte State Bank Checking Account Rates

0.15%$100k-Prime Account
0.10%$2,500-Rewards Checking Account
0.05%$500-Prime Adventure Club Checking Account

DeMotte State Bank CD Rates

1.20%$500-5 Year CD
1.05%$500-4 Year CD
0.70%$500-3 Year CD
0.50%$500-30 Month CD
0.50%$5k-29 Month CD Special with DSB Account
0.40%$5k-29 Month CD
0.40%$500-2 Year CD
0.40%$500-2 Year Add To CD
0.35%$5k-14 Month CD Special with DSB Account
0.25%$5k-14 Month CD
0.25%$500-1 Year CD
0.25%$500-18 Month CD
0.15%$10k-8 Month CD
0.15%$2,500-182 Day CD
0.05%$2,500-91 Day CD

DeMotte State Bank IRA Rates

1.20%$500-5 Year IRA
1.05%$500-4 Year IRA
0.70%$500-3 Year IRA
0.50%$500-30 Month IRA
0.50%$5k-29 Month IRA Special with DSB Account
0.40%$5k-29 Month IRA
0.40%$500-2 Year IRA
0.40%$500-2 Year Add To IRA
0.35%$5k-14 Month IRA Special with DSB Account
0.25%$5k-14 Month IRA
0.25%$500-1 Year IRA
0.25%$500-18 Month IRA
0.15%$10k-8 Month IRA
0.15%$2,500-182 Day IRA
0.05%$2,500-91 Day IRA

DeMotte State Bank has 11 locations. Click to view all DeMotte State Bank locations.