BIPPUS STATE BANK, THE

HUNTINGTON, IN | Small | Est. June 23, 1911, midnight | FDIC #1847 | RSSD #443148 | FDIC
Latest Report: 2025-12-31

BIPPUS STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in HUNTINGTON, IN, established in June 23, 1911, midnight. As of 2025-12-31, the bank reported total assets of $428M and total deposits of $341M. Profitability stands at 1.92% ROA and 16.69% ROE, with a net interest margin of 4.69%. The bank's CET1 capital ratio is 15.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 5.40%. FDIC Certificate #1847.

Assets

$428M

Deposits

$341M

Loans

$352M

Equity

$49M

Profitability

Return on Assets (ROA) 1.92%
Return on Equity (ROE) 16.69%
Net Interest Margin (NIM) 4.69%
Yield on Assets 6.45%
Cost of Funds 1.88%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.06%
Texas Ratio 5.40%
NPA Ratio 0.67%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 15.66%
Tier 1 Capital 15.66%
Total Capital Ratio 16.75%
Leverage Ratio 12.65%
Loan-to-Deposit 103.21%

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