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The Baltic State Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 17759

Baltic, OH

4 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +16.3% year over year ($119.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.11%.
  • Efficiency ratio 75.72% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.32% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Baltic State Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 32.9% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.86% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 63.8% in tier
  • - Efficiency Ratio 11.24% above tier average
Get updates when The Baltic State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $129.6M
+16.4% YoY +5.0% QoQ
-$257.0M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 8.1% in tier
Total Loans ? $100.9M
+11.0% YoY +6.5% QoQ
-$157.5M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $119.6M
+16.3% YoY +4.9% QoQ
-$207.1M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 11.6% in tier
Return on Assets ? 1.11%
-15.0% YoY -12.5% QoQ
-0.22% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 4.85%
+2.0% YoY +1.2% QoQ
+0.86% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Top 10.8% in tier
Efficiency Ratio ? 75.72%
+5.5% YoY +5.7% QoQ
+11.24% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 84.32%
-4.6% YoY +1.5% QoQ
+6.37% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 19.42%
-6.1% YoY -0.3% QoQ
-2.61% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
43%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 10.52%
-3.3% YoY -4.4% QoQ
-5.39% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.19%
+9.6% YoY +122.3% QoQ
-0.38% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
46%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 19.4%
-1.3pp YoY
-0.1pp QoQ
 -2.7pp 22.1% 18.8% 22.2% 42%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 7.6%
-1.9pp YoY
+0.2pp QoQ
 -4.0pp 11.6% 10.2% 12.5% 37%
CRE 12.3%
+2.4pp YoY
+1.7pp QoQ
 -27.2pp 39.5% 34.2% 41.4% 7%
1-4 Family 64.4%
+1.3pp YoY
-0.3pp QoQ
 +31.8pp 32.6% 50.0% 31.3% 92%
Consumer 2.9%
-0.1pp YoY
-0.4pp QoQ
 -1.2pp 4.1% 4.7% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 10.5%
-0.3pp YoY
-0.5pp QoQ
 -8.3pp 18.8% 22.1% 19.7% 5%
Leverage Ratio 7.8%
-0.2pp YoY
-0.1pp QoQ
 -4.4pp 12.2% 12.9% 12.6% 2%
Total Capital Ratio 11.6%
-0.4pp YoY
-0.5pp QoQ
 -8.3pp 19.9% 23.2% 20.8% 5%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 29
+4 (+16.0%) YoY
0 QoQ
 -30 58 2,433 482 25%
Assets per Employee ($) $4.5M
+0.3% YoY
+5.0% QoQ
 -$3.0M $7.5M $7.6M $8.8M 8%
Branch Count 4
+1 (+33.3%) YoY
0 QoQ
 -1 4 81 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.6% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.95x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 17%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 15.7%
-3.0pp YoY
-2.2pp QoQ
 +3.5pp 12.2% 9.7% 11.6% 71%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 40%
Net Income ($, YTD) $692,000
-2.7% YoY
— QoQ
 -$1.9M $2.6M $259.3M $40.4M 16%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#218 of 659 • Top 32.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline
#197 of 307 • Bottom 63.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.11%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
287
Net Interest Margin
profitability
Value: 4.85%
Peer Median: 3.99%
#287 of 2643 Top 10.8% in $100M-$1B

Top Weaknesses (5 metrics)

2431
Total Assets
size
Value: $129.58M
Peer Median: $386.57M
#2431 of 2643 Bottom 8.1% in $100M-$1B
2337
Total Deposits
size
Value: $119.64M
Peer Median: $326.73M
#2337 of 2643 Bottom 11.6% in $100M-$1B
2197
Tier 1 Capital Ratio
capital
Value: 10.52%
Peer Median: 15.91%
#2197 of 2643 Bottom 16.9% in $100M-$1B
2139
Total Loans
size
Value: $100.88M
Peer Median: $258.35M
#2139 of 2643 Bottom 19.1% in $100M-$1B
2134
Efficiency Ratio
profitability
Value: 75.72%
Peer Median: 64.48%
#2134 of 2643 Bottom 19.3% in $100M-$1B
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