Ipava State Bank (FDIC #10473): Bank Stress & Real-Estate Credit Exposure

Ipava State Bank (FDIC Cert #10473): bank stress 65/100, elevated, STABLE over 7 days; parent ISB BANCSHARES INC.

Ipava State Bank (#10473) lends in 3 counties across 2 states; Ipava State Bank (#10473) reaches 73 ZIP codes: Illinois 2 counties, 45 ZIPs; Florida 1 county, 28 ZIPs.

Ipava State Bank (#10473) largest markets: Sarasota County, FL (28 branches, 28 ZIPs) (#10473), Fulton County, IL (120 branches, 24 ZIPs) (#10473), Tazewell County, IL (21 branches, 21 ZIPs) (#10473).

Ipava State Bank (#10473) reports $221.9 million in total assets; Ipava State Bank (#10473) equity $19.7 million (8.9% of Ipava State Bank (#10473) assets); Ipava State Bank (#10473) domestic deposits $194.3 million; Ipava State Bank (#10473) net income $1.6 million; Ipava State Bank (#10473) return on assets 1.47%; Ipava State Bank (#10473) return on equity 16.54%; Ipava State Bank (#10473) net interest income $4.0 million; Ipava State Bank (#10473) call report June 30, 2026.

Ipava State Bank (#10473) noncurrent real-estate loans: none reported; Ipava State Bank (#10473) net charge-offs on real estate 0.25%.

Ipava State Bank (#10473) net interest margin 4.06% against an eight-quarter Ipava State Bank (#10473) average of 3.83% (Ipava State Bank (#10473) compression -0.23 points); Ipava State Bank (#10473) rate-exposure score 40/100, Ipava State Bank (#10473) fixed-rate trap 40/100; Ipava State Bank (#10473) risk type credit driven; Ipava State Bank (#10473) rate regime rates elevated, Ipava State Bank (#10473) snapshot October 19, 2026.

Ipava State Bank (#10473) stress score moved from 64.1 on June 22, 2026 to 65.2 on October 20, 2026; Ipava State Bank (#10473) ranged 64.1 to 65.2 over 117 snapshots.

Ipava State Bank (#10473) alerts: 3 counties; top Ipava State Bank (#10473) alert scores: Washington County, IL 46 (moderate); Lewistown County, IL 24 (low); Sarasota County, IL 24 (low).