Is Ipava State Bank Safe?
Ipava State Bank has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is loan quality (95/100), while profitability is its weakest area (61/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.92% | 92/100 |
| Nonperforming Loan Ratio | 0.23% | 95/100 |
| Liquidity Ratio | 27.19% | 89/100 |
| Return on Assets | 1.02% | 61/100 |
| Total Assets | $0.2B | |
How does Ipava State Bank compare?
With a Bank Health Score of 89/100, Ipava State Bank sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Ipava State Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 13.92% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.23% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Ipava State Bank's Bank Health Score held roughly steady at 89/100. Tier 1 capital strengthened by 1.39 percentage points to 13.92%. Quarter-over-quarter, the score fell by 4.0 points.
Ipava State Bank has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is loan quality (95/100), while profitability is its weakest area (61/100).