BlastPoint's Banking Scorecard
Ipswich State Bank
Designations: ✓ Community bank
Ipswich, SD
Ipswich State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 39.80% below tier average
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + ROA 0.81% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.30% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.9M
+3.5% YoY
-5.5% QoQ
|
+$8.8M |
$62.2M
-0.6% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$31.4M
+14.3% YoY
-8.3% QoQ
|
-$2.9M |
$34.2M
-1.4% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$59.5M
+3.4% YoY
-5.2% QoQ
|
+$7.8M |
$51.7M
-0.7% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
1.64%
-1.0% YoY
-4.1% QoQ
|
+0.81% |
0.84%
-2.3% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
82% |
| Net Interest Margin ? |
3.56%
-1.8% YoY
-6.4% QoQ
|
-0.30% |
3.86%
+2.8% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
48.54%
-2.7% YoY
-3.4% QoQ
|
-39.80% |
88.34%
+0.3% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
Top 8.1% in tier |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
52.70%
+10.6% YoY
-3.3% QoQ
|
-11.51% |
64.22%
-0.7% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
28.14%
-12.6% YoY
-5.8% QoQ
|
+4.43% |
23.71%
+0.3% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
27.66%
-9.5% YoY
+1.8% QoQ
|
+0.97% |
26.68%
+2.0% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.03%
-3.4% YoY
-73.9% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
19% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.