The Bippus State Bank: how it compares with its peers
Against 45 IN banks with half to twice its assets, The Bippus State Bank's strongest measure in Q2 2026 is net interest margin (4.55% vs. a 3.68% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $6.2M).
| Measure | The Bippus State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.42% | 1.08% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.55% | 3.68% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.79% | 64.96% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.2M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.06% | 81.85% | Context |
What it means for lending operations
Its efficiency ratio of 47.79% is better than the 64.96% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Hometown Savings Bank Terre Haute, IN · $456M
- Alliance Bank Francesville, IN · $455M
- Security Federal Savings Bank Logansport, IN · $464M
- Home Bank SB Martinsville, IN · $433M
- The First National Bank of Monterey Monterey, IN · $431M
- Kentland Bank Kentland, IN · $419M
Questions about The Bippus State Bank
How big is The Bippus State Bank?
The Bippus State Bank, established in 1911, is headquartered in Huntington, IN. It reported $459M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The Bippus State Bank's return on assets?
2.42% annualized in Q2 2026, against a 1.08% median for 45 IN banks with half to twice its assets, ahead of 98% of them.
What is The Bippus State Bank's efficiency ratio?
47.79% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 64.96%, and lower is better.
Is The Bippus State Bank growing its loans?
Net loans grew 8.1% over the year to Q2 2026, while deposits grew 17.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.