TellerScore

Ipava State Bank (FDIC certificate #10473) is based in Lewistown, Illinois. Its Q2 2026 call report shows $221.9M in total assets and $194.3M in deposits and 7 offices across 2 states.

Ipava State Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 132nd. Problem-loan coverage contributes the most (97/100, 1.3%); capital cushion contributes the least (47/100, 9.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.68%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 70.4% · 32.5% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.33%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (69 → 73), mostly because the earnings component improved by 15 points.

TellerScore
647075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202467
Q1 202569
Q2 202569
Q3 202570
Q4 202564
Q1 202675
Q2 202673
Tier 1 leverage ratio
5.00%7.34%9.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.86%
Q3 20248.91%
Q4 20248.82%
Q1 20259.21%
Q2 20259.40%
Q3 20259.57%
Q4 20258.55%
Q1 20269.60%
Q2 20269.68%
Noncurrent loans
0.02%0.19%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.17%
Q4 20240.10%
Q1 20250.18%
Q2 20250.19%
Q3 20250.15%
Q4 20250.37%
Q1 20260.02%
Q2 20260.20%
Return on assets
0.89%1.18%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20241.00%
Q4 20240.89%
Q1 20251.06%
Q2 20251.11%
Q3 20251.10%
Q4 20251.06%
Q1 20261.43%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$221.9M9.68%0.20%1.47%70.4%
Q1 202675$215.1M9.60%0.02%1.43%74.1%
Q4 202564$218.0M8.55%0.37%1.06%81.6%
Q3 202570$214.2M9.57%0.15%1.10%79.0%
Q2 202569$200.7M9.40%0.19%1.11%76.7%
Q1 202569$203.3M9.21%0.18%1.06%76.7%
Q4 202467$209.6M8.82%0.10%0.89%76.2%
Q3 202467$210.3M8.91%0.17%1.00%76.3%
Q2 202467$202.8M8.86%0.23%1.02%76.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.68%
25th
Total risk-based capital16.39%
75th
Problem loans0.20%
65th
Net charge-offs-0.03%
94th
Return on assets1.47%
64th
Net interest margin4.06%
57th
Efficiency ratio66.8%
37th
Loans to deposits70.4%
69th
Uninsured deposits32.5%
22nd
Loan-loss reserves1.07%
35th
Texas ratio1.3%
65th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank and Trust Company of IllinoisBank Palatine, IL61 out of 100, Moderate$228.6M15.9%8.37%vs
Milledgeville State BankBank Milledgeville, IL71 out of 100, Strong$215.2M10.5%0.28%vs
Eagle Valley BankBank Griggsville, IL72 out of 100, Strong$229.6M10.4%0.60%vs
Burling BankBank Chicago, IL54 out of 100, Below average$214.2M13.6%3.77%vs
Farmers State Bank of HoffmanBank Hoffman, IL77 out of 100, Strong$232.1M11.9%0.17%vs
West Central BankBank Ashland, IL60 out of 100, Moderate$232.2M11.9%2.10%vs

Deposit insurance

Is my money safe at Ipava State Bank?

Yes. Ipava State Bank is an FDIC-insured institution (FDIC certificate #10473). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.5% of deposits ($63.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.68%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.39% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Ipava State Bank lists 7 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ipava State Bank reported 88 home-loan applications under HMDA (LEI 5493005QZNPGRQNTRB15): 74 originated ($11,360,000 total), 12 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Ipava State Bank
Type
State-chartered bank
FDIC certificate #
10473
RSSD ID
760434
Primary regulator
FDIC
Holding company
Isb Bancshares Inc
Established
September 11, 1902
Headquarters
1203 S Main St, Lewistown, IL 61542
Employees
34

Quick answers

Ipava State Bank: common questions

Is Ipava State Bank FDIC insured?

Yes. Ipava State Bank is an FDIC-insured institution (FDIC certificate #10473). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Ipava State Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Ipava State Bank ever failed?

There is no failure record for FDIC certificate #10473 in the FDIC failed bank list.

How many branches does Ipava State Bank have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lewistown

InstitutionScoreAssetsCapitalProblem loansCompare
Community Bank of EastonBank Easton, IL85 out of 100, Very strong$43.0M16.3%0.00%vs
Fairview State Banking CompanyBank Fairview, IL83 out of 100, Strong$40.9M14.3%0.61%vs
Farmers and Merchants State Bank of BushnellBank Bushnell, IL83 out of 100, Strong$86.5M10.5%0.00%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
Petefish, Skiles & Co.Bank Virginia, IL75 out of 100, Strong$501.6M9.1%0.14%vs
Vermont State BankBank Vermont, IL73 out of 100, Strong$31.0M28.2%5.08%vs