BanksIPSWICH STATE BANK

IPSWICH STATE BANK

IPSWICH, SDMicroEst. April 13, 1938, midnightFDIC #15593RSSD #532453FDIC
Latest · 2025-12-31

IPSWICH STATE BANK is an 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%. CET1 capital ratio: 27.18%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$75M
Deposits
$63M
Loans
$34M
Equity
$11M

Profitability

Return on Assets (ROA)1.66%
Return on Equity (ROE)10.75%
Net Interest Margin3.91%
Yield on Assets5.28%
Cost of Funds1.51%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.74%

Capital & Liquidity

CET1 Ratio27.18%
Tier 1 Capital27.18%
Total Capital Ratio27.79%
Leverage Ratio15.44%
Loan-to-Deposit54.92%

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