Bath 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 54.41 percentage points lower than in Q1 2026, at 122.61%. Bath State Bank ranks 51st of 87 Indiana banks on return on assets, in the lower half at 1.00% (Q2 2026). Bath State Bank reported 1.00% on return on assets for Q2 2026, 0.26 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.89% |
| Tier 1 risk-based capital ratio | 11.89% |
| Total risk-based capital ratio | 12.88% |
| Tier 1 leverage ratio | 8.82% |
| Equity capital to assets | 5.98% |
| Tangible equity to tangible assets | 5.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 8.51% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 122.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 18.50% |
| Net interest margin | 3.09% |
| Efficiency ratio | 66.70% |
| Yield on earning assets | 5.44% |
| Cost of funds | 2.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.39% |
| Core deposits to total deposits | 83.46% |
| Brokered deposits to total deposits | 5.46% |
| Deposits to assets | 84.10% |
| Securities to assets | 17.66% |
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 | 10.34% | 10.34% | 11.42% | 7.99% | 0.51% |
| Q4 2023 | 10.56% | 10.56% | 11.62% | 8.02% | 0.50% |
| Q1 2024 | 11.49% | 11.49% | 12.59% | 8.06% | 0.39% |
| Q2 2024 | 11.52% | 11.52% | 12.61% | 8.12% | 0.57% |
| Q3 2024 | 11.33% | 11.33% | 12.39% | 8.20% | 0.64% |
| Q4 2024 | 10.96% | 10.96% | 12.00% | 8.08% | 0.99% |
| Q1 2025 | 11.08% | 11.08% | 12.12% | 8.21% | 0.73% |
| Q2 2025 | 11.07% | 11.07% | 12.08% | 8.40% | 1.03% |
| Q3 2025 | 11.01% | 11.01% | 12.01% | 8.33% | 0.71% |
| Q4 2025 | 10.92% | 10.92% | 11.90% | 8.28% | 1.16% |
| Q1 2026 | 11.39% | 11.39% | 12.39% | 8.43% | 0.95% |
| Q2 2026 | 11.89% | 11.89% | 12.88% | 8.82% | 1.00% |
Bath State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bath 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 Bath State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8035) · FFIEC NIC profile (RSSD 308340)