BlastPoint's Banking Scorecard
Ipswich State Bank
Micro
Specialty: Agricultural
SD
FDIC cert 15593
Designations: ✓ Community bank
Ipswich, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Ipswich State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 18.33% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.1M
+12.3% YoY
+6.4% QoQ
|
-$142.4M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$34.2M
+7.4% YoY
-4.6% QoQ
|
-$105.0M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$62.8M
+12.7% YoY
+7.0% QoQ
|
-$120.9M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
1.71%
+27.1% YoY
-1.5% QoQ
|
+0.63% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.80%
+13.4% YoY
+0.3% QoQ
|
-0.05% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
50.24%
-9.2% YoY
+2.6% QoQ
|
-17.49% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
54.51%
-4.7% YoY
-10.9% QoQ
|
-20.02% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
29.87%
+0.7% YoY
+7.2% QoQ
|
+7.48% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
27.18%
-3.7% YoY
+4.3% QoQ
|
+18.33% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.10%
-5.8% YoY
+31.9% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.18%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.18% · Tier avg: 8.85%
90
90th pctile
Efficiency Ratio
Current: 50.24% · Tier avg: 67.73%
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
82
82th pctile
Loan-to-Deposit Ratio
Current: 54.51% · Tier avg: 74.53%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.87% · Tier avg: 22.39%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
15
15th pctile
Total Deposits
Current: $62.8M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $75.1M · Tier avg: $217.5M
13
13th pctile
Total Loans
Current: $34.2M · Tier avg: $139.2M
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
13
13th pctile
Total Loans
Current: $34.2M · Tier avg: $139.2M
14
14th pctile
Total Assets
Current: $75.1M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $62.8M · Tier avg: $183.7M
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.87% · Tier avg: 22.39%
82
82th pctile
Loan-to-Deposit Ratio
Current: 54.51% · Tier avg: 74.53%
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
90
90th pctile
Efficiency Ratio
Current: 50.24% · Tier avg: 67.73%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.18% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%