Ipava State Bank
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Data as of · sourced from FFIEC call reports. How we update
Ipava State Bank is an FDIC-insured commercial bank headquartered in Lewistown, IL, established in 1902 (FDIC certificate 10473), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $221.9M, up 10.5% from Q2 2025, the 182nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 15.14% 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
- 10473
- Headquarters
- Lewistown, IL
- Established
- 1902
- Total assets, Q2 2026
- $221.9M
- Assets vs Q2 2025
- +10.5%
- CET1 ratio, Q2 2026
- 15.14%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 071113748
- Holding company
- ISB BANCSHARES, INC.
- Asset rank in state
- 182nd of 319 in Illinois
Little in Ipava State Bank's latest call report stands out. It reported $222 million in assets at June 30, 2026, up 10.5% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $829,000, 41% above the same quarter a year earlier. Over the same year, loans grew 0.0% and deposits grew 8.8%. Where it has less room is capital: it funds 9.68% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Ipava State Bank reported a CET1 capital ratio of 15.14%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.33%. The figures come from its call report filed with the FFIEC.
Ipava State Bank ranks as the 182nd largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.2% to $221.9M, loans rose 0.9% and deposits rose 6.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.2% of total loans, ahead of farmland and other real estate loans at 21.2%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities across 2 states; its Lewistown office books 40% of its branch deposits. On its Q2 2026 call report, Ipava State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1203 S Main St, Lewistown, IL 61542
- County
- Fulton
- Metro Area
- Canton, IL
- 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 041
- Established
- September 11, 1902
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $194.3M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$21K
- Average total assets
- $203.5M
- Average total loans
- $138.5M
- Average interest-bearing deposits
- $143.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10473
- Fed RSSD
- 760434
- SEC CIK
- 895475 → filed by ISB BANCSHARES, INC.
- Website
- www.ipavastatebank.com →
- Parent Holding Company
- ISB BANCSHARES, INC. (RSSD 2067771)
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
From Q3 2023 to Q2 2026, Ipava State Bank's total assets ranged from $200.7M (Q2 2025) to $221.9M (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
$221.9M total assets against $200.7M; $202.2M total liabilities against $182.0M.
$136.8M net loans and leases against $137.0M; $194.3M total deposits against $178.6M.
$48.9M securities against $42.6M; $28.1M cash and balances due against $12.8M.
$2.7M total interest income against $2.6M; $669K total interest expense against $701K.
$2.0M net interest income against $1.9M.
$502K total noninterest income against $480K; $1.7M total noninterest expense against $1.7M.
$37K provision for credit losses against $37K.
$829K net income against $589K.
1.63% return on assets against 1.18%; 4.27% net interest margin against 3.97%.
15.14% CET1 capital ratio against 14.49%; 9.68% tier 1 leverage ratio against 9.40%.
Inside the full Ipava State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIpava State Bank rankings
Its closest position to the top of a national ranking is 1,040 of 3,611, for ROA; its furthest is 2,534 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.59% (Q4 2024) to 1.63% (Q2 2026) and its net interest margin ran from 3.44% (Q4 2024) to 4.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.14% | 1.63% | 0.20% | 1.33% | 4.27% |
| Q1 2026 | 15.19% | 1.53% | 0.02% | 0.11% | 4.23% |
| Q4 2025 | 13.77% | 0.91% | 0.37% | 2.64% | 4.23% |
| Q3 2025 | 14.21% | 1.16% | 0.15% | 1.07% | 4.24% |
| Q2 2025 | 14.49% | 1.18% | 0.19% | 1.29% | 3.97% |
| Q1 2025 | 14.34% | 1.08% | 0.18% | 1.27% | 3.75% |
| Q4 2024 | 13.74% | 0.59% | 0.10% | 0.77% | 3.44% |
| Q3 2024 | 13.92% | 0.97% | 0.17% | 1.24% | 3.69% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Ipava State Bank (main office) | Lewistown , IL | 61542 | $77.3M |
| Canton Branch | Canton , IL | 61520 | $48.2M |
| Washington Branch | Washington , IL | 61571 | $32.4M |
| Lewistown Branch | Ipava , IL | 61441 | $17.5M |
| Astoria Branch | Astoria , IL | 61501 | $10.2M |
| Sarasota Florida Branch | Sarasota , FL | 34236 | $8.8M |
| Canton Il Branch | Canton , IL | 61520 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 217 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 88 applications, 74 loans originated, $11.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Ipava State Bank
What are Ipava State Bank's total assets?
As of the Q2 2026 filing, Ipava State Bank reported total assets of $221.9 million in its FFIEC call report.
Where is Ipava State Bank headquartered?
It is headquartered in Lewistown, IL, United States.
When was Ipava State Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Ipava State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10473). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ipava State Bank?
Ipava State Bank's primary federal regulator is the FDIC.
What is Ipava State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ipava State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ipava State Bank's Texas Ratio?
Its Texas Ratio is 1.33% 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.
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