Ipswich 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.83 percentage points higher than in Q1 2026, at 58.96%. Ipswich State Bank ranks 13th of 56 South Dakota banks on return on assets, in the upper half at 2.06% (Q2 2026). Against a median of 1.00% for banks in the < $100M asset tier, Ipswich State Bank reported 2.06% on return on assets in Q2 2026, 1.06 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.36% |
| Tier 1 risk-based capital ratio | 25.36% |
| Total risk-based capital ratio | 25.94% |
| Tier 1 leverage ratio | 15.46% |
| Equity capital to assets | 14.97% |
| Tangible equity to tangible assets | 14.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.31% |
| Non-performing assets ratio | 0.65% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.23% |
| Allowance for credit losses to loans | 0.69% |
| Reserve coverage of non-performing loans | 53.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 13.60% |
| Net interest margin | 4.06% |
| Efficiency ratio | 44.71% |
| Yield on earning assets | 5.29% |
| Cost of funds | 1.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.96% |
| Core deposits to total deposits | 85.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.93% |
| Securities to assets | 20.67% |
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 | 28.71% | 28.71% | 29.42% | 15.07% | 1.48% |
| Q4 2023 | 28.67% | 28.67% | 29.36% | 15.11% | 0.98% |
| Q1 2024 | 31.23% | 31.23% | 32.03% | 14.69% | 1.03% |
| Q2 2024 | 30.12% | 30.12% | 30.87% | 14.97% | 1.48% |
| Q3 2024 | 29.62% | 29.62% | 30.34% | 16.04% | 1.54% |
| Q4 2024 | 28.21% | 28.21% | 28.89% | 15.72% | 1.34% |
| Q1 2025 | 30.56% | 30.56% | 31.30% | 15.19% | 1.63% |
| Q2 2025 | 29.27% | 29.27% | 29.96% | 15.45% | 1.71% |
| Q3 2025 | 26.05% | 26.05% | 26.65% | 16.34% | 1.84% |
| Q4 2025 | 27.18% | 27.18% | 27.79% | 15.44% | 1.65% |
| Q1 2026 | 27.66% | 27.66% | 28.31% | 14.65% | 1.63% |
| Q2 2026 | 25.36% | 25.36% | 25.94% | 15.46% | 2.06% |
Ipswich State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ipswich 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 Ipswich State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15593) · FFIEC NIC profile (RSSD 532453)