Bippus State Bank
Huntington, Indiana · FDIC Cert #1847
Bippus State Bank is an FDIC-insured bank (Certificate #1847) with $362M in total assets and $320M in total deposits as of the Q2 2024 Call Report. Headquartered in Huntington, Indiana, the bank maintains a Tier 1 capital ratio of 15.44% (Well-Capitalized) and a nonperforming loan ratio of 0.83%. BankHealthData assigns a composite Health Grade of B (78/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bippus State Bank (FDIC cert 1847) is a community bank — $362M in total assets, $320M in deposits, serving the Huntington, Indiana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.44% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.83% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 13.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.16% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bippus State Bank carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bippus State Bank
- Total Assets
- $362M
- Total Deposits
- $320M
- Tier 1 Capital Ratio
- 15.44%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.83%
- Liquidity Ratio
- 13.27%
- Return on Assets
- 2.16%
- Headquarters
- Huntington, Indiana
- FDIC Certificate
- #1847
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bippus State Bank holds a Tier 1 capital ratio of 15.44%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bippus State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bippus State Bank shows strong financial health indicators. With $362M in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bippus State Bank Compares
Bippus State Bank’s Health Score of 78 is 8 points above the Indiana state average of 70 across 73 FDIC-insured banks. Its 15.44% Tier 1 capital ratio is 1.4 points above the US banking industry average near 14%. The 0.83% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.16% is in line with or above the national ROA benchmark of ~1.1%. Among 1555 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Bippus State Bank is 8 points above the portfolio average of 70.
Frequently Asked Questions
Bippus State Bank has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 15.44%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bippus State Bank's Tier 1 capital ratio of 15.44% and nonperforming loan ratio of 0.83% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bippus State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1847). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bippus State Bank holds $362M in total assets and $320M in total deposits. It is headquartered in Huntington, Indiana (FDIC Certificate #1847).
Bippus State Bank has a Tier 1 capital ratio of 15.44%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.83%, and the return on assets is 2.16%.
Yes. Bippus State Bank is FDIC-insured (Certificate #1847). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bippus State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.