The Bippus State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 2.87 percentage points in Q2 2026, from 93.85% to 90.99%. It was the largest change from Q1 2026 among the key lines here. Among 87 Indiana banks, The Bippus State Bank sits 3rd from the top on return on assets, 2.67% as of Q2 2026. The Bippus State Bank's return on assets of 2.67% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.42 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.17% |
| Tier 1 risk-based capital ratio | 15.17% |
| Total risk-based capital ratio | 16.27% |
| Tier 1 leverage ratio | 11.99% |
| Equity capital to assets | 10.70% |
| Tangible equity to tangible assets | 10.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.82% |
| Non-performing assets ratio | 0.64% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 5.96% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 125.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.67% |
| Return on equity | 24.07% |
| Net interest margin | 4.49% |
| Efficiency ratio | 49.19% |
| Yield on earning assets | 6.30% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.99% |
| Core deposits to total deposits | 85.37% |
| Brokered deposits to total deposits | 7.61% |
| Deposits to assets | 85.40% |
| Securities to assets | 11.15% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.26% | 14.26% | 15.30% | 12.36% | 2.07% |
| Q4 2023 | 15.35% | 15.35% | 16.52% | 12.24% | 1.56% |
| Q1 2024 | 15.27% | 15.27% | 16.46% | 12.21% | 1.54% |
| Q2 2024 | 15.44% | 15.44% | 16.69% | 12.62% | 2.69% |
| Q3 2024 | 15.69% | 15.69% | 16.83% | 12.88% | 2.86% |
| Q4 2024 | 15.41% | 15.41% | 16.63% | 12.93% | 2.70% |
| Q1 2025 | 15.07% | 15.07% | 16.21% | 12.76% | 2.32% |
| Q2 2025 | 15.65% | 15.65% | 16.80% | 12.73% | 2.61% |
| Q3 2025 | 15.70% | 15.70% | 16.81% | 12.72% | 2.31% |
| Q4 2025 | 15.66% | 15.66% | 16.75% | 12.65% | 1.89% |
| Q1 2026 | 16.28% | 16.28% | 17.39% | 12.70% | 2.16% |
| Q2 2026 | 15.17% | 15.17% | 16.27% | 11.99% | 2.67% |
The Bippus State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bippus State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bippus State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1847) · FFIEC NIC profile (RSSD 443148)