Bath State Bank

Bath, IN · Cert 8035 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15) · Bath St Bcorp Employee STK Ownership Plan With 401 K Provisions

State charter, non-member · FDIC · 3 branches

Q2 2026

$337.6MAssets

$253.8MLoans

$283.9MDeposits

$20.2MEquity

Executive Summary

Strongest standing: return on equity outperforms 93% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 1 of 15).
Widest gap: equity / assets trails 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 15 of 15).
Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.79%

Rank 7 of 15

Net Interest Margin

2.85%

Rank 12 of 15

Efficiency Ratio

69.64%

Rank 6 of 15

Equity / Assets

5.98%

Rank 15 of 15

Non-interest income vs. expense

Unfavorable gap of $6.5M · efficiency ratio beats 67% of banks under $1B in assets in the Cincinnati, OH-KY-IN area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.79%	0.35%	0.56%	1.05%	Beats 53%	7 / 15
Return on Equity	13.17%	1.73%	4.99%	6.76%	Beats 93%	1 / 15
Net Interest Margin	2.85%	2.85%	3.21%	3.42%	Beats 20%	12 / 15
Efficiency Ratio	69.64%	64.82%	75.45%	88.43%	Beats 67%	6 / 15
Asset Quality
Nonperforming Loans / Loans	0.78%	0.12%	0.43%	1.30%	Beats 40%	10 / 15
Net Charge-Offs / Loans	0.01%	n/a	0.00%	0.00%	Beats 20%	13 / 15
Capital
Tier 1 Capital Ratio	11.89%	13.11%	14.76%	20.06%	Beats 13%	13 / 15
Total Risk-Based Capital Ratio	12.88%	14.37%	15.36%	20.06%	Beats 13%	13 / 15
Equity / Assets	5.98%	10.14%	11.33%	20.42%	Beats 0%	15 / 15
Liquidity & Funding
Loans / Deposits	89.39%	80.04%	97.18%	103.56%	33rd pctl	10 / 15
Loans / Assets	75.18%	68.16%	75.18%	82.63%	47th pctl	8 / 15
Brokered Deposits / Deposits	n/a	Not reported for this institution