DeMotte State Bank

Demotte, IndianaFDIC Cert #15883

STATEEstablished 194210 branches

Holding company: DEMOTTE BCORPRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$13.9M
Investor CRE	$3.48M
Multifamily	$1.4M
Construction	$18.7M
1–4 family	$83.5M
C&I	$55.5M
Agriculture	$72.8M
Other	$3.44M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$253M

−1.6%y/y

Percentile by value25th percentileby value

FDICLNLSGR

Net loans

$249M

−1.6%y/y

Percentile by value24th percentileby value

FDICLNLSNET

Loans YoY

−1.61%

−166.4%y/y

Percentile by value14th percentileby value

FDICLNLSNET

L/D

49.7%

−9.4%y/y

Percentile by value6th percentileby value

FDICLNLSNET + DEP

Loans/assets

41.1%

−8.9%y/y

Percentile by value6th percentileby value

FDICLNLSNET + ASSET

RE loans %

64.10%

+5.5%y/y

Percentile by value13th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,084points

+8.0%y/y

Peer standing54th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

5.51%

−4.9%y/y

Percentile by value18th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

1.38%

+500.8%y/y

Percentile by value5th percentileby value

FDICLNRENROT + LNLSGR

C&I %

21.96%

−4.9%y/y

Percentile by value92nd percentileby value

FDICLNCI + LNLSGR