The Baltic State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 2666.67 percentage points in Q2 2026, from 13700.00% to 16366.67%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Baltic State Bank is 88th of 156 on return on assets, 0.97% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Baltic State Bank sits 0.28 points lower, at 0.97% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.52% |
| Tier 1 risk-based capital ratio | 10.52% |
| Total risk-based capital ratio | 11.59% |
| Tier 1 leverage ratio | 7.81% |
| Equity capital to assets | 7.01% |
| Tangible equity to tangible assets | 7.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.06% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 16366.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 13.58% |
| Net interest margin | 4.80% |
| Efficiency ratio | 79.02% |
| Yield on earning assets | 6.29% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.14% |
| Core deposits to total deposits | 90.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.33% |
| Securities to assets | 4.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.78% | 10.78% | 11.80% | 7.67% | 0.91% |
| Q4 2023 | 10.56% | 10.56% | 11.59% | 7.78% | 1.32% |
| Q1 2024 | 10.69% | 10.69% | 11.72% | 7.81% | 1.05% |
| Q2 2024 | 10.61% | 10.61% | 11.63% | 8.07% | 1.06% |
| Q3 2024 | 10.74% | 10.74% | 11.85% | 8.15% | 0.88% |
| Q4 2024 | 10.75% | 10.75% | 11.86% | 7.94% | 1.14% |
| Q1 2025 | 10.81% | 10.81% | 11.92% | 7.86% | 1.31% |
| Q2 2025 | 10.87% | 10.87% | 11.98% | 7.98% | 1.29% |
| Q3 2025 | 11.39% | 11.39% | 12.54% | 8.47% | 1.66% |
| Q4 2025 | 10.96% | 10.96% | 12.08% | 8.07% | 1.04% |
| Q1 2026 | 11.00% | 11.00% | 12.12% | 7.94% | 1.29% |
| Q2 2026 | 10.52% | 10.52% | 11.59% | 7.81% | 0.97% |
The Baltic State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baltic State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Baltic State Bank profile, peer group comparison, or how this data updates.
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