The Bippus State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bippus State Bank of Huntington, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.67% | 1.34% | +1.33% | 95th top |
| ROAE | 24.07% | 13.32% | +10.75% | 95th top |
| Net Interest Margin | 4.49% | 3.93% | +0.56% | 79th top |
| Efficiency Ratio | 49.19% | 61.14% | -11.95% | 82nd top |
| PPNR / Avg Assets | 2.73% | 1.68% | +1.05% | 93rd top |
| Yield on Earning Assets | 6.30% | 5.67% | +0.63% | 81st top |
| Cost of Funds | 1.92% | 1.88% | +0.04% | 42nd below |
| Net Interest Spread | 4.22% | 3.32% | +0.90% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.82% | 0.94% | -0.12% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.64% | 0.70% | -0.06% | 32nd below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 29th below |
| ACL / NPLs (Coverage) | 125.33% | 1546.81% | -1421.48% | 34th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.96% | 7.34% | -1.38% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.17% | 19.49% | -4.32% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.17% | 19.52% | -4.35% | 50th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.27% | 20.61% | -4.34% | 50th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.99% | 12.14% | -0.15% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.70% | 11.37% | -0.67% | 55th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.70% | 11.08% | -0.38% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.99% | 80.66% | +10.33% | 27th below |
| Core Deposit Ratio | 85.37% | 86.85% | -1.48% | 31st below |
| Wholesale Funding Ratio | 3.27% | 5.04% | -1.77% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.95% | 6.84% | +6.11% | 89th top |
| Loan Growth (Y/Y) | 8.01% | 7.92% | +0.09% | 65th above |
| Deposit Growth (Y/Y) | 17.64% | 6.28% | +11.36% | 93rd top |
See The Bippus State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bippus State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Bippus State Bank profile, how to read a UBPR, or how this data updates.