BlastPoint's Banking Scorecard
The Bippus State Bank
Micro
Specialty: Commercial
IN
FDIC cert 1847
Designations: ✓ Community bank
Huntington, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
The Bippus State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.23% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.63% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$428.1M
+13.5% YoY
+3.6% QoQ
|
+$210.6M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$348.4M
+15.5% YoY
+3.3% QoQ
|
+$209.2M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$341.0M
+10.6% YoY
-0.5% QoQ
|
+$157.3M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
2.31%
-7.2% YoY
-5.7% QoQ
|
+1.23% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.73%
+3.9% YoY
+0.1% QoQ
|
+0.88% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
53.90%
+12.8% YoY
+5.0% QoQ
|
-13.82% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.82%
+9.5% YoY
-28.9% QoQ
|
+0.18% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
102.16%
+4.5% YoY
+3.8% QoQ
|
+27.63% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.16%
-11.4% YoY
-4.8% QoQ
|
-12.23% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.67%
+11.5% YoY
-29.1% QoQ
|
+0.21% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
15.66%
+1.6% YoY
-0.3% QoQ
|
+6.81% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.73%
-20.3% YoY
+26.2% QoQ
|
+0.17% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.31%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
102.16%
(Tier avg: 74.53%, National avg: 78.04%)
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
98
98th pctile
Total Loans
Current: $348.4M · Tier avg: $139.2M
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.08%
92
92th pctile
Total Assets
Current: $428.1M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $341.0M · Tier avg: $183.7M
85
85th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.85%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
83
83th pctile
Efficiency Ratio
Current: 53.90% · Tier avg: 67.73%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.66% · Tier avg: 8.85%
34
34th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.16% · Tier avg: 22.39%
7
7th pctile
Loan-to-Deposit Ratio
Current: 102.16% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 102.16% · Tier avg: 74.53%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.16% · Tier avg: 22.39%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.66% · Tier avg: 8.85%
83
83th pctile
Efficiency Ratio
Current: 53.90% · Tier avg: 67.73%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
85
85th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.85%
88
88th pctile
Total Deposits
Current: $341.0M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $428.1M · Tier avg: $217.5M
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.08%
98
98th pctile
Total Loans
Current: $348.4M · Tier avg: $139.2M