Bath State Bank
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Data as of · sourced from FFIEC call reports. How we update
Bath State Bank is an FDIC-insured commercial bank headquartered in Bath, IN, established in 1923 (FDIC certificate 8035), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $337.6M, up 4.2% from Q2 2025, the 58th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 11.89% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8035
- Headquarters
- Bath, IN
- Established
- 1923
- Total assets, Q2 2026
- $337.6M
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 11.89%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 074912302
- Holding company
- BATH STATE BANCORP
- Asset rank in state
- 58th of 87 in Indiana
Bath State Bank operates with a thinner capital cushion than most banks of its size. The Bath, Indiana bank had $338 million in assets at June 30, 2026, up 4.2% from a year earlier. It funds 8.82% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also keeps 3.09 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 34% of Tier 1 capital, down from 48% a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.76% of loans from 0.63% a year earlier. Funding is the softer spot: it pays an average of 2.45% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Bath State Bank reported a CET1 capital ratio of 11.89%, a return on assets of 1.00%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 8.51%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bath State Bank is the 58th largest of the 87 banks headquartered in Indiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $337.6M, loans rose 0.4% and deposits rose 0.6%. Farmland and other real estate loans made up 29.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 27.6%. Its 3 offices in the FDIC Summary of Deposits are in Bath, IN, Liberty, IN and West College Corner, IN; its Bath office books 57% of its branch deposits. On its Q2 2026 call report, Bath State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3095 Bath Road, Bath, IN 47010
- County
- Franklin
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 23, 1923
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $283.9M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $25K
- Average total assets
- $349.7M
- Average total loans
- $252.4M
- Average interest-bearing deposits
- $246.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8035
- Fed RSSD
- 308340
- Website
- www.bathstatebank.com →
- Parent Holding Company
- BATH STATE BANCORP (RSSD 1249329)
- Ultimate Parent
- RSSD 5473449
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bath State Bank's total assets moved between a low of $291.2M (Q3 2023) and a high of $337.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$337.6M total assets against $324.0M; $317.4M total liabilities against $309.5M.
$251.3M net loans and leases against $242.0M; $283.9M total deposits against $274.5M.
$59.6M securities against $59.9M; $10.8M cash and balances due against $6.5M.
$4.4M total interest income against $4.2M; $1.9M total interest expense against $2.0M.
$2.5M net interest income against $2.2M.
$337K total noninterest income against $323K; $1.9M total noninterest expense against $1.7M.
$25K provision for credit losses against $0.
$875K net income against $848K.
1.00% return on assets against 1.03%; 3.09% net interest margin against 2.88%.
11.89% CET1 capital ratio against 11.07%; 8.82% tier 1 leverage ratio against 8.40%.
Inside the full Bath State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBath State Bank rankings
Its closest position to the top of a national ranking is 773 of 3,640, for Texas Ratio; its furthest is 1,742 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.64% (Q3 2024) to 1.16% (Q4 2025) and its net interest margin ran from 2.38% (Q3 2024) to 3.09% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.89% | 1.00% | 0.78% | 8.51% | 3.09% |
| Q1 2026 | 11.39% | 0.95% | 0.54% | 6.54% | 3.09% |
| Q4 2025 | 10.92% | 1.16% | 0.53% | 6.83% | 3.05% |
| Q3 2025 | 11.01% | 0.71% | 0.61% | 8.06% | 3.07% |
| Q2 2025 | 11.07% | 1.03% | 0.76% | 9.03% | 2.88% |
| Q1 2025 | 11.08% | 0.73% | 0.08% | 1.18% | 2.73% |
| Q4 2024 | 10.96% | 0.99% | 0.09% | 1.37% | 2.59% |
| Q3 2024 | 11.33% | 0.64% | 0.10% | 1.42% | 2.38% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bath State Bank (main office) | Bath , IN | 47010 | $162.6M |
| The Bath State Bank Branch | Liberty , IN | 47353 | $63.3M |
| West College Corner Branch | West College Corner , IN | 47003 | $57.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IN, rank 79 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 109 applications, 107 loans originated, $18.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $68K approved, $68K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bath State Bank
What are Bath State Bank's total assets?
As of the Q2 2026 filing, Bath State Bank reported total assets of $337.6 million in its FFIEC call report.
Where is Bath State Bank headquartered?
It is headquartered in Bath, IN, United States.
When was Bath State Bank founded?
It was established in 1923, per the FDIC institution directory.
Is Bath State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bath State Bank?
Bath State Bank's primary federal regulator is the FDIC.
What is Bath State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.89% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bath State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bath State Bank's Texas Ratio?
Its Texas Ratio is 8.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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