The Baltic State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Baltic State Bank of Baltic, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.97% | 1.35% | -0.38% | 32nd below |
| ROAE | 13.58% | 12.05% | +1.53% | 57th above |
| Net Interest Margin | 4.80% | 3.90% | +0.90% | 88th top |
| Efficiency Ratio | 79.02% | 63.14% | +15.88% | 15th bottom |
| PPNR / Avg Assets | 1.05% | 1.64% | -0.59% | 23rd bottom |
| Yield on Earning Assets | 6.29% | 5.65% | +0.64% | 80th top |
| Cost of Funds | 1.56% | 1.85% | -0.29% | 66th above |
| Net Interest Spread | 4.38% | 3.35% | +1.03% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.92% | -0.91% | 85th top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 86th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 22nd bottom |
| ACL / NPLs (Coverage) | 16366.67% | 1638.87% | +14727.80% | — |
| Texas Ratio | 0.06% | 7.15% | -7.09% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.52% | 20.84% | -10.32% | 5th bottom |
| Tier 1 Ratio | 10.52% | 20.87% | -10.35% | 5th bottom |
| Total Capital Ratio | 11.59% | 21.94% | -10.35% | 5th bottom |
| Leverage Ratio | 7.81% | 12.47% | -4.66% | 2nd bottom |
| Equity / Assets | 7.01% | 11.67% | -4.66% | 6th bottom |
| TCE / Tangible Assets | 7.01% | 11.40% | -4.39% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.14% | 78.64% | +6.50% | 40th below |
| Core Deposit Ratio | 90.83% | 87.09% | +3.74% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.38% | 6.47% | +9.91% | 93rd top |
| Loan Growth (Y/Y) | 10.96% | 7.64% | +3.32% | 76th top |
| Deposit Growth (Y/Y) | 16.26% | 6.02% | +10.24% | 92nd top |
See The Baltic State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Baltic State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Baltic State Bank profile, how to read a UBPR, or how this data updates.