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The Bippus State Bank

$100M-$1B Specialty: Commercial IN FDIC cert 1847

Huntington, IN

6 branches across IN

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 60 in IN.
  • Deposits +17.6% year over year ($391.9M on the books).
  • Delinquency rate 0.87%.
  • Return on assets 2.42%.
  • Efficiency ratio 47.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.06% 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 60 in IN
View $100M-$1B leaderboard (IN) →

The Bippus State Bank has 4 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

  • + Revenue Diversifier: Top 14.4% in tier
  • + Return on Assets 1.10% above tier average
  • + Net Interest Margin 0.56% above tier average
  • + Efficiency Ratio 16.68% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 22.8% in tier
  • - Liquidity Strain: Bottom 30.8% in tier
Get updates when The Bippus State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $458.9M
+13.0% YoY +6.2% QoQ
+$72.3M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $352.9M
+8.1% YoY +4.1% QoQ
+$94.6M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $391.9M
+17.6% YoY +7.3% QoQ
+$65.2M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
69%
Return on Assets ? 2.42%
-2.9% YoY +11.1% QoQ
+1.10% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
Top 5.6% in tier
Net Interest Margin ? 4.55%
-2.6% YoY -0.2% QoQ
+0.56% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
82%
Efficiency Ratio ? 47.79%
-6.1% YoY +3.7% QoQ
-16.68% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
Top 12.6% in tier
Delinquency Rate ? 0.87%
-10.2% YoY +2.9% QoQ
-0.05% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 90.06%
-8.1% YoY -3.0% QoQ
+12.10% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 7.77%
-26.9% YoY -13.9% QoQ
-14.26% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
Bottom 6.6% in tier
Nonperforming Asset Ratio ? 0.67%
-14.0% YoY +0.9% QoQ
+0.00% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 15.17%
-3.1% YoY -6.8% QoQ
-0.74% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.57%
+51.1% YoY +100.0% QoQ
+0.00% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
Top 7.4% 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 (IN) National Avg Tier Percentile
Noninterest-Bearing 7.8%
-2.9pp YoY
-1.3pp QoQ
 -14.4pp 22.1% 16.8% 22.2% 6%
Brokered Deposits 7.6%
+1.0pp YoY
-1.1pp QoQ
 -0.2pp 7.9% 7.2% 8.5% 67%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 11.3%
-1.0pp YoY
-0.2pp QoQ
 -0.2pp 11.6% 11.1% 12.5% 60%
CRE 25.4%
-0.8pp YoY
+0.4pp QoQ
 -14.1pp 39.5% 36.2% 41.4% 27%
1-4 Family 40.1%
+3.0pp YoY
-0.9pp QoQ
 +7.5pp 32.6% 40.0% 31.3% 70%
Consumer 1.0%
-0.3pp YoY
-0.1pp QoQ
 -3.1pp 4.1% 3.2% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 15.2%
-0.5pp YoY
-1.1pp QoQ
 -3.7pp 18.8% 17.5% 19.7% 51%
Leverage Ratio 12.0%
-0.7pp YoY
-0.7pp QoQ
 -0.2pp 12.2% 13.0% 12.6% 65%
Total Capital Ratio 16.3%
-0.5pp YoY
-1.1pp QoQ
 -3.7pp 19.9% 18.7% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 71
+15 (+26.8%) YoY
0 QoQ
 +12 58 237 482 72%
Assets per Employee ($) $6.5M
-10.9% YoY
+6.2% QoQ
 -$1.1M $7.5M $7.5M $8.8M 42%
Branch Count 6
+1 (+20.0%) YoY
0 QoQ
 +1 4 17 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 43%
Nonaccrual 0.8%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.9% 0.8% 1.0% 66%
Allowance Coverage 1.19x
+5.4% YoY
-5.1% QoQ
 -22.96x 24.15x 6.71x 20.23x 32%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 28%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 21.6%
-0.9pp YoY
+2.6pp QoQ
 +9.4pp 12.2% 11.2% 11.6% 91%
Cost of Funds (YTD) 1.8%
+0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 59%
Net Income ($, YTD) $5.3M
+8.9% YoY
— QoQ
 +$2.8M $2.6M $16.3M $40.4M 89%

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 (1)

Revenue Diversifier

growth
#96 of 661 • Top 14.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.57%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.42%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

NIB Deposit Bleed

decline
#38 of 162 • Bottom 22.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 7.77%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#214 of 691 • Bottom 30.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.06%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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 (4 metrics)

149
Return on Assets
profitability
Value: 2.42%
Peer Median: 1.32%
#149 of 2643 Top 5.6% in $100M-$1B
197
Non-Interest Income / Assets
revenue_mix
Value: 0.57%
Peer Median: 0.57%
#197 of 2643 Top 7.4% in $100M-$1B
335
Efficiency Ratio
profitability
Value: 47.79%
Peer Median: 64.48%
#335 of 2643 Top 12.6% in $100M-$1B
489
Net Interest Margin
profitability
Value: 4.55%
Peer Median: 3.99%
#489 of 2643 Top 18.5% in $100M-$1B

Top Weaknesses (1 metrics)

2470
Non-Interest-Bearing Deposit Share
funding
Value: 7.77%
Peer Median: 22.03%
#2470 of 2643 Bottom 6.6% in $100M-$1B
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