FDIC Cert #1847 · Huntington, Indiana · Est. 1911

The Bippus State Bank - FDIC Bank Health Profile

A community-scale look at The Bippus State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$428M
Total assets
A
Health grade · Excellent
2.31%
Return on assets
15.7%
Tier 1 capital

Data updated July 2026

The verdict

The Bippus State Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 15.66% Tier 1, profitable at 2.31% ROA, efficient (54% cost ratio).

#1,997
largest of 4,313 FDIC banks by assets
54th
percentile by asset size, nationally
15.66%
Tier 1 ratio - above the 10% well-capitalized line
95th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 1847 · IN A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #467/4307
  • PHOTO-FINISH The Peoples Bank · KY
  • TIER1-WELL 15.7% Tier 1
  • TEXAS-CLEAN 5.4% Texas
  • ROA-STRONG 2.31% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: The Peoples Bank, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Bippus State Bank

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank Michigan · MI · near93/100Bank of Dawson · GA · near93/100First Southern Natio… · KY ·…93/100The Bippus State Bank · IN ·…93/100The Peoples Bank · KY · near93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Bippus State Bank · July 2026

What The Bippus State Bank's Call Report plate shows

The Bippus State Bank (FDIC Cert #1847) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #467 of 4,307. Tier 1 capital prints at 15.66%, clearing the 10% well-capitalized line. The Texas Ratio is 5.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.31%. Balance-sheet scale is $428M, 1,997th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Peoples Bank (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Bippus State Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

The Bippus State Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Bippus State Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How The Bippus State Bank's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
The Bippus State Bank's composite health score
Tier 1 Capital Ratio (15.66%) 40/40
Return on Assets (ROA) (2.31%) 25/25
Texas Ratio (5.40%) 16/20
Efficiency Ratio (53.90%) 12/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$428M

Total balance-sheet footings

Total Deposits

$341M

Customer-funded liabilities

Net Loans

$348M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.26% 15.66% 17.06%
Basel III capital ratios - The Bippus State Bank

Where The Bippus State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bippus State Bank's score of 93/100 falls in the highlighted band.

The Bippus State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 11% higher than 89% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. The Bippus State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Bippus State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Bippus State Bank's $428M falls in the highlighted band.

Safety ratios for The Bippus State Bank

Tier 1 capital ratio
Well-capitalized 10%

15.66% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.66%
Texas Ratio
5.40%
Equity Capital
$49M

What these ratios mean →

Earnings posture at The Bippus State Bank

Return on Assets (ROA)
95th percentile nationally
2.31%
Return on Equity (ROE)
20.50%
Efficiency Ratio
53.90%

What these mean →

Income & expense at The Bippus State Bank

$24M
Interest Income
$3M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bippus State Bank reports a Texas Ratio of 5.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Bippus State Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($428M here), outside Indiana so the neighborhood is not state containment.

Broadstreet Bank S S B $429M · TX The Bank $429M · LA Community Bank of Santa Maria $429M · CA Cumberland Security Bank, Inc. $427M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bippus State Bank (FDIC Cert #1847) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Bippus State Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%