The Bippus State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Bippus State Bank is an FDIC-insured commercial bank headquartered in Huntington, IN, established in 1911 (FDIC certificate 1847), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $458.9M, up 13.0% from Q2 2025, the 43rd largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 15.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1847
- Headquarters
- Huntington, IN
- Established
- 1911
- Total assets, Q2 2026
- $458.9M
- Assets vs Q2 2025
- +13.0%
- CET1 ratio, Q2 2026
- 15.17%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 074909661
- Latest call report
- Q2 2026, FFIEC 051 · The Bippus State Bank call report
- Holding company
- BIPPUS STATE CORPORATION
- Asset rank in state
- 43rd of 87 in Indiana
The Bippus State Bank is one of the more profitable banks of its size. It reported $459 million in assets at June 30, 2026, up 13.0% from a year earlier. It earns about $2.67 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 17.6% over the year, 4.4 times the median of 4.0% for banks its size. Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Net income for the quarter rose 13% from a year earlier, to $3.0 million. Over the same year, loans grew 8.0% and deposits grew 17.6%.
As of June 30, 2026, The Bippus State Bank reported a CET1 capital ratio of 15.17%, a return on assets of 2.67%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 5.82%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, The Bippus State Bank is the 43rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 6.2% to $458.9M, loans rose 4.0% and deposits rose 7.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.7% of total loans, ahead of farmland and other real estate loans at 17.3%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in IN; its Huntington 2 offices book 64% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bippus State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 150 Hauenstein Rd, Huntington, IN 46750
- County
- Huntington
- Metro Area
- Huntington, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 23, 1911
- Former names
- The Bippus State Bank (2006)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $391.9M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $447.2M
- Average total loans
- $352.0M
- Average interest-bearing deposits
- $346.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1847
- Fed RSSD
- 443148
- SEC CIK
- 1909598 → filed by BIPPUS STATE CORPORATION
- Website
- www.bippusbank.com →
- Parent Holding Company
- BIPPUS STATE CORPORATION (RSSD 1210217)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bippus State Bank's total assets ran between $339.2M (Q3 2023) and $458.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$458.9M total assets against $406.3M; $409.8M total liabilities against $361.0M.
$352.9M net loans and leases against $326.6M; $391.9M total deposits against $333.1M.
$51.2M securities against $37.8M; $19.8M cash and balances due against $10.7M.
$6.5M total interest income against $5.8M; $1.9M total interest expense against $1.6M.
$4.6M net interest income against $4.2M.
$1.4M total noninterest income against $872K; $3.0M total noninterest expense against $2.5M.
$93K provision for credit losses against $10K.
$3.0M net income against $2.6M.
2.67% return on assets against 2.61%; 4.49% net interest margin against 4.52%.
15.17% CET1 capital ratio against 15.65%; 11.99% tier 1 leverage ratio against 12.73%.
Inside the full The Bippus State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bippus State Bank rankings
Its closest position to the top of a national ranking is 117 of 3,611, for ROA; its furthest is 1,875 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.89% (Q4 2025) to 2.86% (Q3 2024) and its net interest margin ran from 4.43% (Q1 2026) to 4.65% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.17% | 2.67% | 0.86% | 5.82% | 4.49% |
| Q1 2026 | 16.28% | 2.16% | 0.84% | 5.34% | 4.43% |
| Q4 2025 | 15.66% | 1.89% | 0.81% | 5.40% | 4.62% |
| Q3 2025 | 15.70% | 2.31% | 1.14% | 7.59% | 4.65% |
| Q2 2025 | 15.65% | 2.61% | 0.96% | 6.48% | 4.52% |
| Q1 2025 | 15.07% | 2.32% | 0.68% | 4.68% | 4.51% |
| Q4 2024 | 15.41% | 2.70% | 0.74% | 4.91% | 4.61% |
| Q3 2024 | 15.69% | 2.86% | 0.46% | 3.00% | 4.63% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bippus State Bank | Huntington , IN | 46750 | $228.8M |
| The Warren Branch | Warren , IN | 46792 | $56.2M |
| Roanoke Branch | Roanoke , IN | 46783 | $48.4M |
| North Manchester Branch | North Manchester , IN | 46962 | $29.4M |
| South Jefferson Street Branch | Huntington , IN | 46750 | $24.0M |
| The Bippus State Bank Dupont Road Branch | Fort Wayne , IN | 46825 | $5.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 62 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.1M approved, $530K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bippus State Bank
What are The Bippus State Bank's total assets?
As of the Q2 2026 filing, The Bippus State Bank reported total assets of $458.9 million in its FFIEC call report.
Where is The Bippus State Bank headquartered?
It is headquartered in Huntington, IN, United States.
When was The Bippus State Bank founded?
It was established in 1911, per the FDIC institution directory.
Is The Bippus State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bippus State Bank?
The Bippus State Bank's primary federal regulator is the FDIC.
What is The Bippus State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bippus State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bippus State Bank's Texas Ratio?
Its Texas Ratio is 5.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bippus State Bank previously called?
The charter now named The Bippus State Bank has also operated as The Bippus State Bank (2006), per FDIC structure-change records.
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