TellerScore

Headquartered in Huntington, Indiana, The Bippus State Bank is a state-chartered bank with $458.9M in total assets and $391.9M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1911.

Based on its Q2 2026 filing, The Bippus State Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 15th. Its strongest component is earnings (100/100; 2.42%), and its lowest is funding & liquidity (57/100; 90% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 11.99%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.86%
Earnings100/100
Return on assets (annualized): 2.42%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 90.1% · 26.5% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.82%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
757983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202483
Q4 202479
Q1 202580
Q2 202577
Q3 202575
Q4 202577
Q1 202679
Q2 202676
Tier 1 leverage ratio
5.00%8.96%12.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.62%
Q3 202412.88%
Q4 202412.93%
Q1 202512.76%
Q2 202512.73%
Q3 202512.72%
Q4 202512.65%
Q1 202612.70%
Q2 202611.99%
Noncurrent loans
0.46%0.80%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.83%
Q3 20240.46%
Q4 20240.74%
Q1 20250.68%
Q2 20250.96%
Q3 20251.14%
Q4 20250.81%
Q1 20260.84%
Q2 20260.86%
Return on assets
2.16%2.33%2.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.16%
Q3 20242.41%
Q4 20242.49%
Q1 20252.34%
Q2 20252.50%
Q3 20252.45%
Q4 20252.31%
Q1 20262.18%
Q2 20262.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$458.9M11.99%0.86%2.42%90.1%
Q1 202679$432.1M12.70%0.84%2.18%92.9%
Q4 202577$428.1M12.65%0.81%2.31%102.2%
Q3 202575$413.3M12.72%1.14%2.45%98.5%
Q2 202577$406.3M12.73%0.96%2.50%98.0%
Q1 202580$392.4M12.76%0.68%2.34%96.6%
Q4 202479$377.2M12.93%0.74%2.49%97.8%
Q3 202483$365.5M12.88%0.46%2.41%90.9%
Q2 202478$361.6M12.62%0.83%2.16%90.6%

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 ratio11.99%
65th
Total risk-based capital16.27%
75th
Problem loans0.86%
32nd
Net charge-offs-0.00%
77th
Return on assets2.42%
94th
Net interest margin4.55%
82nd
Efficiency ratio47.8%
87th
Loans to deposits90.1%
26th
Uninsured deposits26.5%
40th
Loan-loss reserves1.02%
29th
Texas ratio5.8%
31st

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
The Hometown Savings BankBank Terre Haute, IN55 out of 100, Moderate$455.7M8.3%0.59%vs
Alliance BankBank Francesville, IN88 out of 100, Very strong$454.8M12.4%0.01%vs
Security Federal Savings BankBank Logansport, IN68 out of 100, Moderate$464.4M11.0%0.31%vs
Home Bank SBBank Martinsville, IN71 out of 100, Strong$433.1M12.5%0.86%vs
The First National Bank of MontereyBank Monterey, IN81 out of 100, Strong$430.5M13.1%0.37%vs
Kentland BankBank Kentland, IN75 out of 100, Strong$419.4M12.5%0.56%vs

Deposit insurance

Is my money safe at The Bippus State Bank?

Yes. The Bippus State Bank is an FDIC-insured institution (FDIC certificate #1847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.5% of deposits ($104.0M) 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 11.99%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.27% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

The Bippus State Bank lists 6 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Bippus State Bank
Type
State-chartered bank
FDIC certificate #
1847
RSSD ID
443148
Primary regulator
FDIC
Holding company
Bippus State Corp
Established
June 23, 1911
Headquarters
150 Hauenstein Rd, Huntington, IN 46750
Employees
71

Quick answers

The Bippus State Bank: common questions

Is The Bippus State Bank FDIC insured?

Yes. The Bippus State Bank is an FDIC-insured institution (FDIC certificate #1847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Bippus State Bank's TellerScore?

76 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 The Bippus State Bank ever failed?

There is no failure record for FDIC certificate #1847 in the FDIC failed bank list.

How many branches does The Bippus State Bank have?

6 offices as of the latest FDIC data.

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