BlastPoint's Banking Scorecard
DeMotte State Bank
Community
Specialty: Agricultural
IN
FDIC cert 15883
Demotte, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
DeMotte State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 33.84% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.73% above tier
- - Nonperforming Asset Ratio 1.45% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$610.2M
+8.8% YoY
+6.6% QoQ
|
-$781.3M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$248.7M
-2.4% YoY
-2.1% QoQ
|
-$726.7M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$505.3M
+8.6% YoY
+7.8% QoQ
|
-$659.3M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.63%
-23.5% YoY
+11.7% QoQ
|
-0.54% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.30%
-0.4% YoY
-0.7% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
70.65%
+0.6% YoY
+0.6% QoQ
|
+8.01% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
4.36%
+37.3% YoY
+87.3% QoQ
|
+3.73% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
49.22%
-10.1% YoY
-9.2% QoQ
|
-33.84% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.51%
-1.1% YoY
+3.6% QoQ
|
+5.46% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
1.94%
+34.7% YoY
+88.0% QoQ
|
+1.45% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.50%
-12.1% YoY
+26.4% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
49.22%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.36%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.94%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Loan-to-Deposit Ratio
Current: 49.22% · Tier avg: 83.06%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.51% · Tier avg: 21.05%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Efficiency Ratio
Current: 70.65% · Tier avg: 62.63%
16
16th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
15
15th pctile
Total Assets
Current: $610.2M · Tier avg: $1.4B
14
14th pctile
Total Deposits
Current: $505.3M · Tier avg: $1.2B
7
7th pctile
Nonperforming Asset Ratio
Current: 1.94% · Tier avg: 0.50%
2
2th pctile
Total Loans
Current: $248.7M · Tier avg: $975.5M
0
0th pctile
Delinquency Rate
Current: 4.36% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 4.36% · Tier avg: 0.63%
2
2th pctile
Total Loans
Current: $248.7M · Tier avg: $975.5M
7
7th pctile
Nonperforming Asset Ratio
Current: 1.94% · Tier avg: 0.50%
14
14th pctile
Total Deposits
Current: $505.3M · Tier avg: $1.2B
15
15th pctile
Total Assets
Current: $610.2M · Tier avg: $1.4B
16
16th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
26
26th pctile
Efficiency Ratio
Current: 70.65% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.51% · Tier avg: 21.05%
97
97th pctile
Loan-to-Deposit Ratio
Current: 49.22% · Tier avg: 83.06%