Bath State Bank
Total assets
$337.6M
▲ +4.2% YoY
Deposits
$283.9M
▲ +3.4% YoY
Loans
$251.3M
▲ +3.9% YoY
Offices
3
BATH ST BCORP EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONS
ROA (annualized)
1.01%
peers 1.24%
ROE (annualized)
18.25%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Bath State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +3.9% | +5.6% | -1.7 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 18.3% | 11.9% | +6.4 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
Profile
- Established
- 1923
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BATH ST BCORP EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONS
- Specialization
- Agricultural Specialization
- Address
- 3095 Bath Road, Bath, IN, 47010
- County
- Franklin
- Metro area
- Cincinnati, OH-KY-IN
- Offices
- 3
- FDIC cert #
- 8035
- RSSD ID
- 308340
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $337.6M | $283.9M | $251.3M | $20.2M | $1.7M | 1.01% | 3.15% | 0.59% |
| Q1 2026 | $332.9M | $282.2M | $250.4M | $17.6M | $819K | 0.98% | 3.15% | 0.41% |
| Q4 2025 | $337.3M | $275.2M | $259.2M | $17.9M | $3.0M | 0.93% | 2.96% | 0.41% |
| Q3 2025 | $332.0M | $276.9M | $250.9M | $16.8M | $2.0M | 0.84% | 2.92% | 0.47% |
| Q2 2025 | $324.0M | $274.5M | $242.0M | $14.5M | $1.4M | 0.90% | 2.83% | 0.58% |
| Q1 2025 | $323.3M | $276.9M | $237.8M | $14.3M | $598K | 0.74% | 2.75% | 0.06% |
| Q4 2024 | $321.8M | $277.9M | $239.2M | $13.4M | $2.1M | 0.65% | 2.35% | 0.07% |
| Q3 2024 | $321.3M | $280.1M | $236.8M | $15.4M | $1.3M | 0.53% | 2.26% | 0.08% |
Loan mix (Q2 2026): real estate $181.1M · commercial $6.2M · consumer $4.3M · securities $59.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Bath State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 62.9% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bath State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bath State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bath State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bath State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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