Ipswich, SD · Cert 15593 · Ipswich Cmty Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.43% | 1.41% | 1.37% | 1.51% | +11 bps | |
| Return on Equity | 9.08% | 9.24% | 9.14% | 9.02% | 9.98% | +90 bps | |
| Net Interest Margin | 3.31% | 3.50% | 3.30% | 3.26% | 3.58% | +27 bps | |
| Efficiency Ratio | 49.33% | 48.96% | 50.24% | 48.54% | 46.87% | -245 bps | |
| Non-Interest Burden | 1.58% | 1.66% | 1.61% | 1.53% | 1.63% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.31% | 9.33% | 12.31% | 3.51% | 10.56% | +1,087 bps | |
| Loan Growth (YoY) | 7.79% | 20.54% | 7.31% | 14.20% | 20.12% | +1,233 bps | |
| Deposit Growth (YoY) | -2.34% | 9.31% | 12.68% | 3.37% | 11.96% | +1,430 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.31% | +131 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.83% | 0.71% | 0.74% | 0.81% | 0.69% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.5x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.45% | 16.34% | 15.44% | 14.65% | 15.46% | 0 bps | |
| Total Risk-Based Capital | 29.96% | 26.65% | 27.79% | 28.31% | 25.94% | -403 bps | |
| Equity / Assets | 15.89% | 15.74% | 15.26% | 15.09% | 14.97% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.95% | 61.59% | 54.92% | 53.13% | 58.96% | +401 bps | |
| Liquid Assets / Assets | 17.65% | 16.81% | 16.78% | 17.40% | 14.96% | -269 bps | |
| CRE / Total Capital | n/a | 13.16% | 13.34% | 13.79% | n/a | n/a | |