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Bath State Bank

$100M-$1B Specialty: Agricultural IN FDIC cert 8035

Bath, IN

3 branches across IN

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 60 in IN.
  • Deposits +3.4% year over year ($283.9M on the books).
  • Delinquency rate 0.79%.
  • Return on assets 1.01%.
  • Efficiency ratio 69.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.53% 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 60 in IN
View $100M-$1B leaderboard (IN) →

Bath State Bank has 1 strength but faces 5 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

  • + Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 7.0% in tier
  • - Credit Quality Pressure: Bottom 31.1% in tier
  • - ROA 0.31% below tier average
  • - Net Interest Margin 0.84% below tier average
  • - Efficiency Ratio 5.16% above tier average
Get updates when Bath State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $337.6M
+4.2% YoY +1.4% QoQ
-$49.0M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
52%
Total Loans ? $251.3M
+3.9% YoY +0.4% QoQ
-$7.0M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $283.9M
+3.4% YoY +0.6% QoQ
-$42.8M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 1.01%
+12.7% YoY +3.2% QoQ
-0.31% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 3.15%
+11.3% YoY +0.1% QoQ
-0.84% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
Bottom 14.6% in tier
Efficiency Ratio ? 69.64%
-1.2% YoY -2.0% QoQ
+5.16% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.79%
+2.8% YoY +44.2% QoQ
-0.13% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 88.53%
+0.4% YoY -0.2% QoQ
+10.58% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 13.41%
-6.1% YoY -7.3% QoQ
-8.62% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.59%
+2.5% YoY +42.7% QoQ
-0.08% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 11.89%
+7.4% YoY +4.4% QoQ
-4.02% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
34%
Non-Interest Income / Assets ? 0.20%
+8.0% YoY +95.0% QoQ
-0.36% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
50%

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 (IN) National Avg Tier Percentile
Noninterest-Bearing 13.4%
-0.9pp YoY
-1.1pp QoQ
 -8.7pp 22.1% 16.8% 22.2% 18%
Brokered Deposits 5.5%
-0.2pp YoY
0.0pp QoQ
 -2.4pp 7.9% 7.2% 8.5% 55%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 2.5%
-0.8pp YoY
-0.1pp QoQ
 -9.1pp 11.6% 11.1% 12.5% 8%
CRE 14.9%
+1.4pp YoY
+0.5pp QoQ
 -24.7pp 39.5% 36.2% 41.4% 11%
1-4 Family 27.8%
+1.2pp YoY
-0.2pp QoQ
 -4.8pp 32.6% 40.0% 31.3% 46%
Consumer 1.7%
+0.1pp YoY
+0.1pp QoQ
 -2.4pp 4.1% 3.2% 5.0% 43%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 11.9%
+0.8pp YoY
+0.5pp QoQ
 -6.9pp 18.8% 17.5% 19.7% 16%
Leverage Ratio 8.8%
+0.4pp YoY
+0.4pp QoQ
 -3.4pp 12.2% 13.0% 12.6% 10%
Total Capital Ratio 12.9%
+0.8pp YoY
+0.5pp QoQ
 -7.1pp 19.9% 18.7% 20.8% 15%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 38
0 YoY
0 QoQ
 -21 58 237 482 39%
Assets per Employee ($) $8.9M
+4.2% YoY
+1.4% QoQ
 +$1.4M $7.5M $7.5M $8.8M 78%
Branch Count 3
0 YoY
0 QoQ
 -2 4 17 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
 -0.2pp 0.3% 0.2% 0.4% 58%
Nonaccrual 0.6%
-0.1pp YoY
+0.1pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 60%
Allowance Coverage 1.23x
-6.5% YoY
-30.7% QoQ
 -22.93x 24.15x 6.71x 20.23x 33%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 53%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 18.2%
-2.3pp YoY
-0.2pp QoQ
 +6.1pp 12.2% 11.2% 11.6% 82%
Cost of Funds (YTD) 2.5%
-0.2pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.8% 1.7% 88%
Net Income ($, YTD) $1.7M
+17.2% YoY
— QoQ
 -$861K $2.6M $16.3M $40.4M 46%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#67 of 936 • Bottom 7.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#392 of 1256 • Bottom 31.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.79%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2257
Net Interest Margin
profitability
Value: 3.15%
Peer Median: 3.99%
#2257 of 2643 Bottom 14.6% in $100M-$1B
2153
Non-Interest-Bearing Deposit Share
funding
Value: 13.41%
Peer Median: 22.03%
#2153 of 2643 Bottom 18.6% in $100M-$1B
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