BATH STATE BANK

BATH, IN | Small | Est. Oct. 23, 1923, midnight | FDIC #8035 | RSSD #308340 | FDIC
Latest Report: 2025-12-31

BATH STATE BANK is asn small FDIC-insured commercial bank headquartered in BATH, IN, established in Oct. 23, 1923, midnight. As of 2025-12-31, the bank reported total assets of $337M and total deposits of $275M. Profitability stands at 1.20% ROA and 23.09% ROE, with a net interest margin of 3.17%. The bank's CET1 capital ratio is 10.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 6.73%. FDIC Certificate #8035.

Assets

$337M

Deposits

$275M

Loans

$262M

Equity

$18M

Profitability

Return on Assets (ROA) 1.20%
Return on Equity (ROE) 23.09%
Net Interest Margin (NIM) 3.17%
Yield on Assets 5.81%
Cost of Funds 2.59%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio 0.00%
Texas Ratio 6.73%
NPA Ratio 0.41%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 10.92%
Tier 1 Capital 10.92%
Total Capital Ratio 11.90%
Leverage Ratio 8.28%
Loan-to-Deposit 95.06%

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