Bath State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bath State Bank of Bath, IN against its peer group of 2757 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 | 1.00% | 1.25% | -0.25% | 32nd below |
| ROAE | 18.50% | 12.22% | +6.28% | 81st top |
| Net Interest Margin | 3.09% | 3.95% | -0.86% | 12th bottom |
| Efficiency Ratio | 66.70% | 63.71% | +2.99% | 35th below |
| PPNR / Avg Assets | 1.03% | — | — | 21st bottom |
| Yield on Earning Assets | 5.44% | 5.67% | -0.23% | 42nd below |
| Cost of Funds | 2.45% | 1.87% | +0.58% | 16th bottom |
| Net Interest Spread | 2.61% | — | — | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.88% | -0.10% | 34th below |
| NPA / Total Assets | 0.59% | — | — | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 30th below |
| ACL / Total Loans | 0.96% | — | — | 22nd bottom |
| ACL / NPLs (Coverage) | 122.61% | — | — | 33rd below |
| Texas Ratio | 8.51% | 5.96% | +2.55% | 21st bottom |
| Provision / NCO | 131.58% | — | — | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.89% | 17.18% | -5.29% | 16th bottom |
| Tier 1 Ratio | 11.89% | 17.21% | -5.32% | 16th bottom |
| Total Capital Ratio | 12.88% | — | — | 15th bottom |
| Leverage Ratio | 8.82% | 11.75% | -2.93% | 10th bottom |
| Equity / Assets | 5.98% | 10.98% | -5.00% | 2nd bottom |
| TCE / Tangible Assets | 5.98% | — | — | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.39% | 80.44% | +8.95% | 30th below |
| Core Deposit Ratio | 83.46% | 86.95% | -3.49% | 26th below |
| Wholesale Funding Ratio | 9.18% | — | — | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.17% | — | — | 48th below |
| Loan Growth (Y/Y) | 3.82% | — | — | 40th below |
| Deposit Growth (Y/Y) | 3.41% | — | — | 45th below |
See Bath State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bath 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 Bath State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bath State Bank peer analysis.