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DeMotte State Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.netdsb.com
219-987-4141
210 South Halleck Street
Demotte, IN 46310

DeMotte State Bank is headquartered in DEMOTTE and is the 38th largest bank in the state of Indiana. It is also the 1,657th largest bank in the nation. It was established in 1942 and as of March of 2025, it had grown to 114 employees at 10 locations. DeMotte State Bank's savings rates are 5X the national average, and it has a C+ health rating.

Reviews (1)

Unprofessional

Posted by: |

My husband notified the bank of a fraudulent charge that was going to effect his debit card prior to actually hitting his account. The bank willing allowed the charges to go through - they did not even attempt to stop the charges. We made a claim with the FDIC in order to resolve the issue. The bank retaliated by putting a hold on my account (different account than my husband) for suspected fraud without any valid reason (no suspicious charges) when my monthly automatic payments (ACH's) were scheduled to be withdrawn. This caused issues with the companies needing to be paid (electric, telephone, insurance & television service). I was able to straighten them all out without and additional costs but I had to spend time getting it resolved. The "manager" (teller supervisor) at the Roselawn branch is rude, and does not present herself anywhere close to professionally in appearance or attitude.

2


Health
C+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #15883
Year Established1942
Employees114
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD2.14%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$561.1MM$546.6MM
LoansQ1 2025vs Q1 2024$253.4MM$247.4MM
DepositsQ1 2025vs Q1 2024$462.2MM$447.8MM
Equity CapitalQ1 2025vs Q1 2024$44.6MM$39.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.6MM$3.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$7.7MM$1.2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

DeMotte State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.70%$100-Savings Growth Account
0.05%$5-Savings Account

DeMotte State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$100k*-Smart Investor Money Market Account
OTHER TIERS: 0.25% → $2.5k - $25k | 0.50% → $25k - $50k | 1.51% → $50k - $100k
0.20%$2.5k-Super Money Market Account

DeMotte State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Prime Account
OTHER TIERS: 0.05% → $2.5k - $50k | 0.10% → $50k - $100k

DeMotte State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.03%$5k-8 Month CD
3.80%$5k-14 Month CD Special with DSB Account
3.55%$5k-29 Month CD Special with DSB Account
2.77%$2.5k-182 Day CD
2.52%$2.5k-91 Day CD
2.52%$500-5 Year CD
2.42%$500-30 Month CD
2.42%$500-4 Year CD
2.37%$500-1 Year CD
2.27%$5k-14 Month CD
2.27%$5k-29 Month CD
2.27%$500-18 Month CD
2.27%$500-2 Year CD
2.27%$500-3 Year CD

DeMotte State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.03%$5k-8 Month IRA
3.80%$5k-14 Month IRA Special with DSB Account
3.55%$5k-29 Month IRA Special with DSB Account
2.77%$2.5k-182 Day IRA
2.52%$2.5k-91 Day IRA
2.52%$500-5 Year IRA
2.42%$500-30 Month IRA
2.42%$500-4 Year IRA
2.37%$500-1 Year IRA
2.27%$5k-14 Month IRA
2.27%$5k-29 Month IRA
2.27%$500-18 Month IRA
2.27%$500-2 Year IRA
2.27%$500-3 Year IRA
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