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Ipava State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 10473

Lewistown, IL

7 branches across IL · FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +8.8% year over year ($194.3M on the books).
  • Delinquency rate 0.21%.
  • Return on assets 1.47%.
  • Efficiency ratio 66.77% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.41% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Ipava State Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.14% above tier average
  • + Net Interest Margin 0.07% above tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.5% in tier
  • - Efficiency Ratio 2.29% above tier average
Get updates when Ipava State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $221.9M
+10.5% YoY +3.2% QoQ
-$164.7M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $136.8M
-0.1% YoY +0.8% QoQ
-$121.5M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $194.3M
+8.8% YoY +6.2% QoQ
-$132.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 1.47%
+32.2% YoY +2.8% QoQ
+0.14% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 4.06%
+5.8% YoY +2.3% QoQ
+0.07% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 66.77%
-8.9% YoY -1.2% QoQ
+2.29% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.21%
+9.9% YoY
-0.71% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 70.41%
-8.2% YoY -5.0% QoQ
-7.54% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 22.54%
+10.2% YoY +11.7% QoQ
+0.51% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
57%
Nonperforming Asset Ratio ? 0.13%
-0.7% YoY
-0.54% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 15.14%
+4.5% YoY -0.3% QoQ
-0.76% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.45%
-2.6% YoY +94.3% QoQ
-0.11% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 11.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 22.5%
+2.1pp YoY
+2.4pp QoQ
 +0.4pp 22.1% 20.1% 22.2% 57%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 7.4%
-1.3pp YoY
-1.4pp QoQ
 -4.1pp 11.6% 14.7% 12.5% 36%
CRE 27.7%
-1.7pp YoY
-2.2pp QoQ
 -11.9pp 39.5% 37.9% 41.4% 31%
1-4 Family 34.6%
+4.8pp YoY
+1.3pp QoQ
 +2.0pp 32.6% 28.3% 31.3% 61%
Consumer 3.9%
-0.1pp YoY
+0.1pp QoQ
 -0.2pp 4.1% 5.4% 5.0% 69%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 15.1%
+0.7pp YoY
0.0pp QoQ
 -3.7pp 18.8% 19.9% 19.7% 50%
Leverage Ratio 9.7%
+0.3pp YoY
+0.1pp QoQ
 -2.5pp 12.2% 12.2% 12.6% 25%
Total Capital Ratio 16.4%
+0.8pp YoY
0.0pp QoQ
 -3.5pp 19.9% 20.9% 20.8% 52%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 34
-2 (-5.6%) YoY
-1 (-2.9%) QoQ
 -25 58 228 482 33%
Assets per Employee ($) $6.5M
+17.0% YoY
+6.2% QoQ
 -$992K $7.5M $8.3M $8.8M 43%
Branch Count 7
0 YoY
0 QoQ
 +2 4 10 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.2%
0.0pp YoY
 -0.2pp 0.3% 0.4% 0.4% 61%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.1% 1.0% 9%
Allowance Coverage 5.28x
+11.4% YoY
-91.5% QoQ
 -18.87x 24.15x 5.62x 20.23x 71%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 16.5%
+4.2pp YoY
+0.4pp QoQ
 +4.3pp 12.2% 10.5% 11.6% 75%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 26%
Net Income ($, YTD) $1.6M
+41.1% YoY
— QoQ
 -$954K $2.6M $11.7M $40.4M 44%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#145 of 1256 • Bottom 11.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

295
Non-Interest Income / Assets
revenue_mix
Value: 0.45%
Peer Median: 0.57%
#295 of 2643 Top 11.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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