BALTIC STATE BANK, THE

BALTIC, OH | Small | Est. Jan. 1, 1902, midnight | FDIC #17759 | RSSD #112510 | FDIC
Latest Report: 2025-12-31

BALTIC STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in BALTIC, OH, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $122M and total deposits of $113M. Profitability stands at 1.02% ROA and 13.99% ROE, with a net interest margin of 4.97%. The bank's CET1 capital ratio is 10.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #17759.

Assets

$122M

Deposits

$113M

Loans

$93M

Equity

$9M

Profitability

Return on Assets (ROA) 1.02%
Return on Equity (ROE) 13.99%
Net Interest Margin (NIM) 4.97%
Yield on Assets 6.60%
Cost of Funds 1.63%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 10.96%
Tier 1 Capital 10.96%
Total Capital Ratio 12.08%
Leverage Ratio 8.07%
Loan-to-Deposit 82.48%

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