IPSWICH STATE BANK

IPSWICH, SD | Micro | Est. April 13, 1938, midnight | FDIC #15593 | RSSD #532453 | FDIC
Latest Report: 2025-12-31

IPSWICH STATE BANK is amn micro FDIC-insured commercial bank headquartered in IPSWICH, SD, established in April 13, 1938, midnight. As of 2025-12-31, the bank reported total assets of $75M and total deposits of $63M. Profitability stands at 1.66% ROA and 10.75% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 27.18%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15593.

Assets

$75M

Deposits

$63M

Loans

$34M

Equity

$11M

Profitability

Return on Assets (ROA) 1.66%
Return on Equity (ROE) 10.75%
Net Interest Margin (NIM) 3.91%
Yield on Assets 5.28%
Cost of Funds 2.08%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.74%

Capital & Liquidity

CET1 Ratio 27.18%
Tier 1 Capital 27.18%
Total Capital Ratio 27.79%
Leverage Ratio 15.44%
Loan-to-Deposit 54.92%

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