| Metric | The Baltic State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.4% | +4.4% | +12.0 pts |
| Deposit growth (YoY) | +16.3% | +4.0% | +12.3 pts |
| Loan growth (YoY) | +11.0% | +5.6% | +5.4 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 15.7% | 11.9% | +3.8 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $129.6M | $119.6M | $100.9M | $9.1M | $692K | 1.11% | 4.85% | 0.00% |
| Q1 2026 | $123.4M | $114.0M | $94.7M | $8.8M | $388K | 1.26% | 4.79% | 0.00% |
| Q4 2025 | $122.0M | $112.8M | $92.1M | $8.6M | $1.5M | 1.30% | 4.85% | 0.00% |
| Q3 2025 | $111.3M | $102.2M | $89.8M | $8.4M | $1.2M | 1.41% | 4.84% | 0.00% |
| Q2 2025 | $111.3M | $102.9M | $90.9M | $8.0M | $711K | 1.30% | 4.75% | 0.00% |
| Q1 2025 | $108.0M | $99.9M | $88.8M | $7.6M | $356K | 1.32% | 4.65% | 0.00% |
| Q4 2024 | $108.2M | $100.6M | $86.2M | $7.2M | $1.0M | 1.01% | 4.42% | 0.00% |
| Q3 2024 | $103.2M | $95.6M | $85.7M | $7.3M | $747K | 0.97% | 4.38% | 0.00% |
Loan mix (Q2 2026): real estate $88.2M · commercial $7.6M · consumer $2.9M · securities $5.4M
| Ratio | The Baltic State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.9% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 62.9% | 79th |
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% |
| Ratio | The Baltic 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% |
| Ratio | The Baltic State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Baltic 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% |
| Ratio | The Baltic 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% |
| Ratio | The Baltic State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Spends 2.6× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
4 branches in 2 counties across 1 state (+1 vs 2025) · $119.6M branch deposits. Biggest market: Tuscarawas, OH, ranked 8th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tuscarawas, OH | 2 | $94.9M | 3.06% | 8th |
| Coshocton, OH | 2 | $24.7M | 2.95% | 7th |
Ohio: 197th with 0.02% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4