Demotte State Bank (FDIC #15883): Bank Stress & Real-Estate Credit Exposure
Demotte State Bank (FDIC Cert #15883): bank stress 70/100, elevated, STABLE over 7 days; parent DEMOTTE BCORP.
Demotte State Bank (#15883) lends in 5 counties across 1 state; Demotte State Bank (#15883) reaches 69 ZIP codes: Indiana 5 counties, 69 ZIPs.
Demotte State Bank (#15883) largest markets: Lake County, IN (56 branches, 28 ZIPs) (#15883), Porter County, IN (16 branches, 16 ZIPs) (#15883), Jasper County, IN (52 branches, 13 ZIPs) (#15883), Newton County, IN (24 branches, 12 ZIPs) (#15883), Starke County, IN (11 branches, 11 ZIPs) (#15883).
Demotte State Bank (#15883) reports $622.0 million in total assets; Demotte State Bank (#15883) equity $54.3 million (8.7% of Demotte State Bank (#15883) assets); Demotte State Bank (#15883) domestic deposits $514.9 million; Demotte State Bank (#15883) net income $3.8 million; Demotte State Bank (#15883) return on assets 1.23%; Demotte State Bank (#15883) return on equity 14.30%; Demotte State Bank (#15883) net interest income $9.1 million; Demotte State Bank (#15883) call report June 30, 2026.
Demotte State Bank (#15883) noncurrent real-estate loans: none reported; Demotte State Bank (#15883) net charge-offs on real estate 2.07%; Demotte State Bank (#15883) residential charge-offs 0.92%.
Demotte State Bank (#15883) net interest margin 3.21% against an eight-quarter Demotte State Bank (#15883) average of 3.26% (Demotte State Bank (#15883) compression 0.05 points); Demotte State Bank (#15883) non-residential real estate 91.8% of equity; Demotte State Bank (#15883) rate-exposure score 40/100, Demotte State Bank (#15883) fixed-rate trap 40/100; Demotte State Bank (#15883) risk type credit driven; Demotte State Bank (#15883) rate regime rates elevated, Demotte State Bank (#15883) snapshot October 19, 2026.
Demotte State Bank (#15883) stress score moved from 77.2 on June 22, 2026 to 70.4 on October 20, 2026; Demotte State Bank (#15883) ranged 70.4 to 77.2 over 117 snapshots.
Demotte State Bank (#15883) alerts: 5 counties; top Demotte State Bank (#15883) alert scores: Knox County, IN 41 (moderate); Hebron County, IN 24 (low); Lowell County, IN 24 (low); Roselawn County, IN 24 (low); Wheatfield County, IN 24 (low).