Ipswich State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ipswich State Bank of Ipswich, SD against its peer group of 578 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 | 2.06% | 0.85% | +1.21% | 83rd top |
| ROAE | 13.60% | 5.23% | +8.37% | 75th top |
| Net Interest Margin | 4.06% | 3.94% | +0.12% | 58th above |
| Efficiency Ratio | 44.71% | 74.96% | -30.25% | 94th top |
| PPNR / Avg Assets | 2.15% | — | — | 83rd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.29% | 5.42% | -0.13% | 54th above |
| Cost of Funds | 1.39% | 1.69% | -0.30% | 58th above |
| Net Interest Spread | 3.35% | — | — | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.31% | 1.34% | -0.03% | 26th below |
| NPA / Total Assets | 0.65% | — | — | 27th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.69% | — | — | 10th bottom |
| ACL / NPLs (Coverage) | 53.01% | — | — | 19th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.23% | 8.60% | -4.37% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.36% | 25.12% | +0.24% | 57th above |
| Tier 1 Ratio | 25.36% | 25.12% | +0.24% | 57th above |
| Total Capital Ratio | 25.94% | — | — | 57th above |
| Leverage Ratio | 15.46% | 14.13% | +1.33% | 67th above |
| Equity / Assets | 14.97% | 13.07% | +1.90% | 66th above |
| TCE / Tangible Assets | 14.97% | — | — | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.96% | 68.58% | -9.62% | 62nd above |
| Core Deposit Ratio | 85.24% | 88.79% | -3.55% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.56% | — | — | 85th top |
| Loan Growth (Y/Y) | 20.12% | — | — | 90th top |
| Deposit Growth (Y/Y) | 11.96% | — | — | 89th top |
See Ipswich State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ipswich 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 Ipswich State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Ipswich State Bank peer analysis.