# BIPPUS STATE BANK
HUNTINGTON, IN · FDIC certificate 1847 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $458.9M | |
| Deposits | $391.9M | |
| Loans and leases | $356.6M | |
| Total equity | $49.1M | |
| Loans / deposits | 90.06% (p71 of band) | 82.04% |
| Liquid assets / assets | 15.47% (p18 of band) | |
| Uninsured deposits / deposits | 26.54% (p53 of band) | 25.97% |
| Brokered deposits | 6.50% | |
| Wholesale funding | 9.77% (p76 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.99% (p69 of band) | 10.81% |
| Unrealized securities loss / equity | -9.49% (p45 of band) | -8.10% |
| AOCI / equity | 0.62% (p93 of band) | |
| ROA (annualized) | 2.42% (p94 of band) | 1.28% |
| Net interest margin | 4.55% (p84 of band) | 3.91% |
| Efficiency ratio | 47.79% (p14 of band) | |
| Noncurrent loans | 0.86% (p69 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 118.96% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 45.96% (p52 of band) | |
| Auto loans | $2.9M (0.80% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 17.6% | |
| Employees | 71 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | charge-offs p90 |  |
| 2014-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 | loans exceed deposits | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 4 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2015-12 | 2 |  | wholesale funding >15%, uninsured deposits leaving |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 | wholesale funding >15% | capital falling |
| 2016-09 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | capital falling, charge-offs p90 |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 | charge-offs p90 | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | capital falling, reserve under noncurrent |  |
| 2024-06 | 0 |  | capital falling, reserve under noncurrent |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 2 | reserve under noncurrent |  |
| 2025-12 | 2 | loans exceed deposits | reserve under noncurrent |
| 2026-03 | 0 |  | capital falling, loans exceed deposits |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-14 [Jan. 14: Bippus State Bank celebrates ribbon cutting for new Dupont branch - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPaGhwZVdkNlZtWE55MWt0OXRaRC1Bbmk5XzV4T0tYbjNtYVJ3RE1GTllVd2h6TGVHNS1rWGR4ZHptUHBNdm9mWUJ0U2NfVmtFUVBjcEFoQTc2LXVRQUh6Mjl6NUx0aGRVQThKN1NtOWxiX1RSanVlZjFHZGNrVWJEOHk0NlV6aVVp?oc=5) · Fort Wayne Business Weekly
- 2023-10-04 [Huntington University’s PLEX Project Receives $100K Gift from Bippus State Bank - Huntington University](https://news.google.com/rss/articles/CBMirgFBVV95cUxPeXVNQWJXSHRCdFUyc3U0M3pBaV9VSHZfV1VLZlVxTlBxTkpPOWZEV1dRZWM3Y1pZN3FvemM2Zm9yNU1OMGJ6VDdhd3dlYWxMaUxZaUlNekpjUS1JOUNEenlxelRxYW9SZG0wSTdDbDVWRE42d001aGRlMG5HWHVubGpMS1JmaWJCNjI3bEpDSkhjQU1YenZXaUtwMHpQZjdDcG5jTUs4RFRYZWdteFE?oc=5) · Huntington University
- 2024-08-01 [Bippus State Bank breaks ground on regional operations center - Inside INdiana Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxQYnpDd1RpZ2E3SlBmZHhGQklodDZ3TVhITmJpQ3N0VjN6REQ4VXZEbFVtaC1oT2oyMUV4b2MzeTJvVmNkU3dsc28wZkNyQ3ZDRjJ2SGNxeXlNZk9vSi1Bb2NwbVRGZkxVVE5ZOFZ4RDVlSXhTUFRmMnlUUldfejJqNzFPRVppR0Z6UWhrOGl5N3FtTWRFYU90bV9ZMGNhVVhKVldiRTJnbVEwYmhl?oc=5) · Inside INdiana Business
- 2025-03-24 [March 24 - Design Collaborative partners with Bippus State Bank for new branch in Fort Wayne - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSlpmOG9rcEVkdU5BMUJPb3JmTjVGQzRwbm5NaHpYMXVWbFhpNGRDbEVMWUJLUnpHNk43RnQweG9nRzRJVFZQbWE1UUxIRUljUVJkcmVSaHhMMDhPNFVjR0VGR2h3MmRyQlJEUy00RlZjTldFWThBQkNqc1Mzc2Q3dXNZYkRKRkVS?oc=5) · Fort Wayne Business Weekly
- 2025-09-04 [Craig Dwight named leader in Banking Excellence - GreatNews.Life](https://news.google.com/rss/articles/CBMifkFVX3lxTE9mTS0xYnJqSmRLWnM5ck1ZOEVUSUN2ZEk3ZEsxeHEyQTVxeWM0UG8tUVFrOXE0RDVDc3h0QTJkcTdUd3VpN0Y2WE1fa3VzeElWb2hrOGlnRGtSY053VUg2UVdvUXI0d0hBOVZ6djJZY19CX0ZoeUQ5WXJTbFpDQQ?oc=5) · GreatNews.Life
- 2025-03-31 [Kenneth "Kenny" R. Rupley - View Obituary & Service Information - Adkins Bailey-Love Mortuary](https://news.google.com/rss/articles/CBMibkFVX3lxTE5xWlZ6WHhyS1J6bm1rZm9aWWIwbi1Qak9vUkU5YmRBQ1Nra1Y0R2c1aGFqS2lPVWFrWTBGZU5ocUJ2WVRrcm9BMWprRlVpTmFPMDE1Vkp3U2hhZmZfOGw4R2puRGg1RkYtYXBGb1pB?oc=5) · Adkins Bailey-Love Mortuary
- 2025-04-28 [Mabel Mundy Obituary - Huntington, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPV0RnY1dGQXZHODMzMHlObEluR3lPOExhM3Yzc1RjeUdEQUt3bFpqTlVrVVpCRm9kRDVCWVJYT3V5bXlGUkUtY3hpdWpyWDBHU2c0Zk1qTlR2dVRhRXJSZ1h3ak9YSF9HVDBDeE9WQmlkaFNfYjZ3OTRsLV8zaEdOazFDbw?oc=5) · Dignity Memorial
- 2019-01-24 [Promenade Park - Archinect](https://news.google.com/rss/articles/CBMickFVX3lxTE1vR0daOVdXSTRrN2JlbDhqTkttZGdDTVEtbHVmM0pRRkJDcXVRNlNlVFlzc3lqZjJJUlZLRHlnZzgxWmVaLXhyRXo1TTRwV2NKSk5iWmJ5X2V1QWd6T3pON1I0VVVuaEo3MDZ6ZFNjTDBaQQ?oc=5) · Archinect

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1847 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "1847", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide