BlastPoint's Banking Scorecard
Ipswich State Bank
Designations: ✓ Community bank
Ipswich, SD
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 536 banks in the under $100M peer group nationwide — 1 of 14 in SD.
- Deposits +12.0% year over year ($62.3M on the books).
- Delinquency rate 1.32%.
- Return on assets 1.83%.
- Efficiency ratio 46.87% vs a 119.40% peer average.
- Loan-to-deposit ratio 58.55% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ipswich State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 72.52% below tier average
- + ROA 0.83% above tier average
- + Delinquency Rate 0.16% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.11% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$74.2M
+10.6% YoY
+4.7% QoQ
|
+$11.8M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$36.5M
+20.3% YoY
+16.4% QoQ
|
+$1.6M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$62.3M
+12.0% YoY
+4.7% QoQ
|
+$10.7M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
1.83%
+6.6% YoY
+11.2% QoQ
|
+0.83% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
Top 14.7% in tier |
| Net Interest Margin ? |
3.80%
+1.7% YoY
+6.7% QoQ
|
-0.11% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
46.87%
-5.0% YoY
-3.4% QoQ
|
-72.52% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
Top 6.5% in tier |
| Delinquency Rate ? | 1.32% | -0.16% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
58.55%
+7.4% YoY
+11.1% QoQ
|
-15.66% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
27.89%
+2.4% YoY
-0.9% QoQ
|
+4.40% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? | 0.65% | -0.19% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
25.36%
-13.4% YoY
-8.3% QoQ
|
-1.77% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.05%
-4.2% YoY
+91.0% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
17% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.9%
+0.7pp YoY -0.3pp QoQ |
+3.3pp | 24.6% | 23.5% | 22.2% | 66% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.3%
+5.5pp YoY +0.4pp QoQ |
-2.1pp | 13.4% | 14.1% | 12.5% | 55% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 14.9% | 31.3% | n/a |
| Consumer |
3.4%
+0.7pp YoY -0.2pp QoQ |
-4.3pp | 7.7% | 8.5% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
25.4%
-3.9pp YoY -2.3pp QoQ |
-13.3pp | 38.7% | 17.6% | 19.7% | 63% |
| Leverage Ratio |
15.5%
0.0pp YoY +0.8pp QoQ |
-2.2pp | 17.7% | 11.9% | 12.6% | 72% |
| Total Capital Ratio |
25.9%
-4.0pp YoY -2.4pp QoQ |
-13.7pp | 39.7% | 18.8% | 20.8% | 63% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 6,279 | 482 | 20% |
| Assets per Employee ($) |
$10.6M
+10.6% YoY +4.7% QoQ |
+$4.4M | $6.2M | $8.1M | $8.8M | 96% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | 1.3% | -0.4pp | 1.7% | 1.0% | 1.0% | 63% |
| Allowance Coverage | 0.53x | -5.88x | 6.41x | 96.54x | 20.23x | 22% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.7% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
+1.0pp YoY +1.3pp QoQ |
+5.7pp | 6.4% | 12.4% | 11.6% | 72% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.7% | 1.7% | 42% |
| Net Income ($, YTD) |
$671,000
+15.9% YoY — QoQ |
+$353K | $317,817 | $418.8M | $40.4M | 87% |
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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.