Ipswich State Bank
Ipswich, SD · Cert 15593 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Ipswich Cmty Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$74.2MAssets
$36.7MLoans
$62.3MDeposits
$11.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: nonperforming loans / loans trails 80% of banks under $1B in assets operating in a single state (rank 598 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.49%
Rank 173 of 746
Net Interest Margin
3.58%
Rank 412 of 746
Efficiency Ratio
46.87%
Rank 70 of 746
Equity / Assets
14.97%
Rank 98 of 746
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 91% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.49% | 0.72% | 1.06% | 1.45% | Beats 77% | 173 / 746 | | |
| Return on Equity | 9.96% | 6.74% | 10.51% | 13.63% | Beats 46% | 401 / 746 | | |
| Net Interest Margin | 3.58% | 3.17% | 3.68% | 4.16% | Beats 45% | 412 / 746 | | |
| Efficiency Ratio | 46.87% | 55.74% | 64.58% | 75.47% | Beats 91% | 70 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.31% | 0.09% | 0.42% | 1.07% | Beats 20% | 598 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 25.36% | 11.55% | 13.75% | 17.60% | Beats 92% | 63 / 746 | | |
| Total Risk-Based Capital Ratio | 25.94% | 11.71% | 14.33% | 18.43% | Beats 91% | 65 / 746 | | |
| Equity / Assets | 14.97% | 8.90% | 10.51% | 13.06% | Beats 87% | 98 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 58.96% | 61.31% | 78.27% | 90.78% | 21st pctl | 593 / 746 | | |
| Loans / Assets | 49.49% | 53.60% | 66.97% | 76.08% | 20th pctl | 597 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |