The Bippus State Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 15.17% was down 110bps from the prior quarter. The Bippus State Bank is the primary bank subsidiary of its parent holding company, headquartered in Huntington, IN. Returns are notably above industry norms: 2.67% ROA, 24.07% ROE, and 4.49% NIM. The Q2 2026 balance sheet stands at $459M in assets, including $357M in loans. Regulatory capital is solid, 15.17% CET1 and 16.27% total risk-based capital ratio. Credit metrics are in line with industry norms, 0.82% NPL ratio. It operates 6 branches, primarily in Indiana.
As of June 30, 2026, The Bippus State Bank reported a CET1 capital ratio of 15.17%, a return on assets of 2.67%, a nonperforming-loan ratio of 0.82%, a Texas ratio of 5.96%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 150 Hauenstein Rd, Huntington, IN 46750
- County
- Huntington
- Metro Area
- Huntington, IN
- 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 051
- Established
- June 23, 1911
- Former names
- The Bippus State Bank (2006)
- Offices
- 6 domestic
- Employees (FTE)
- 71
- Domestic deposits
- $391.9M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $447.2M
- Average total loans
- $352.0M
- Average interest-bearing deposits
- $346.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1847
- Fed RSSD
- 443148
- SEC CIK
- 1909598 → filed by BIPPUS STATE CORPORATION
- Website
- www.bippusbank.com →
- Parent Holding Company
- BIPPUS STATE CORPORATION (RSSD 1210217)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The Bippus State Bank, freeThe Bippus State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Bippus State Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.17% | 2.67% | 0.82% | 5.96% | 4.49% |
| Q1 2026 | 16.28% | 2.16% | 0.84% | 5.47% | 4.43% |
| Q4 2025 | 15.66% | 1.89% | 0.83% | 5.54% | 4.62% |
| Q3 2025 | 15.70% | 2.31% | 1.03% | 7.73% | 4.65% |
| Q2 2025 | 15.65% | 2.61% | 0.98% | 6.63% | 4.52% |
| Q1 2025 | 15.07% | 2.32% | 0.53% | 4.84% | 4.51% |
| Q4 2024 | 15.41% | 2.70% | 0.67% | 5.08% | 4.61% |
| Q3 2024 | 15.69% | 2.86% | 0.43% | 3.17% | 4.63% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bippus State Bank | Huntington , IN | 46750 | $228.8M |
| The Warren Branch | Warren , IN | 46792 | $56.2M |
| Roanoke Branch | Roanoke , IN | 46783 | $48.4M |
| North Manchester Branch | North Manchester , IN | 46962 | $29.4M |
| South Jefferson Street Branch | Huntington , IN | 46750 | $24.0M |
| The Bippus State Bank Dupont Road Branch | Fort Wayne , IN | 46825 | $5.1M |
Regulatory record
What the public regulatory sources show for The Bippus State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IN, rank 62 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bippus State Bank
What are The Bippus State Bank's total assets?
As of the Q2 2026 filing, The Bippus State Bank reported total assets of $458.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bippus State Bank headquartered?
The Bippus State Bank is headquartered in Huntington, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bippus State Bank founded?
The Bippus State Bank was established in 1911, per the FDIC institution directory.
Is The Bippus State Bank FDIC-insured?
Yes. The Bippus State Bank is an FDIC-insured commercial bank (FDIC Certificate #1847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bippus State Bank?
The Bippus State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bippus State Bank's CET1 capital ratio?
The Bippus State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bippus State Bank operate?
The Bippus State Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bippus State Bank's Texas Ratio?
The Bippus State Bank's Texas Ratio is 5.96% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bippus State Bank previously called?
The charter now named The Bippus State Bank has also operated as The Bippus State Bank (2006), per FDIC structure-change records.
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