Ipswich State Bank

Ipswich, South DakotaFDIC Cert #15593

STATEEstablished 19381 branch

Holding company: IPSWICH CMTY BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$1.49M
Investor CRE	$0
Multifamily	$0
Construction	$0
1–4 family	$0
C&I	$3.4M
Agriculture	$25.6M
Other	$1.14M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$31.6M

+14.2%y/y

Percentile by value52nd percentileby value

FDICLNLSGR

Net loans

$31.4M

+14.3%y/y

Percentile by value52nd percentileby value

FDICLNLSNET

Loans YoY

+14.33%

+140.3%y/y

Percentile by value84th percentileby value

FDICLNLSNET

L/D

52.7%

+10.6%y/y

Percentile by value33rd percentileby value

FDICLNLSNET + DEP

Loans/assets

44.2%

+10.5%y/y

Percentile by value37th percentileby value

FDICLNLSNET + ASSET

RE loans %

34.39%

+8.4%y/y

Percentile by value10th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Percentile by value0th percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value0th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,647points

−15.8%y/y

Peer standing29th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

4.70%

−11.7%y/y

Percentile by value53rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

10.75%

+94.2%y/y

Percentile by value58th percentileby value

FDICLNCI + LNLSGR