Bath, IN · Cert 8035 · Bath St Bcorp Employee STK Ownership Plan With 401 K Provisions
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.1% share · #28 of 54 inst. · $0.2B of $187.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.52% | 0.58% | 0.70% | 0.66% | 0.73% | 0.77% | 0.79% | +9 bps | |
| Return on Equity | 10.35% | 12.73% | 13.62% | 16.17% | 14.56% | 15.65% | 14.51% | 14.33% | -185 bps | |
| Net Interest Margin | 2.13% | 2.13% | 2.53% | 2.60% | 2.65% | 2.65% | 2.87% | 2.85% | +25 bps | |
| Efficiency Ratio | 79.00% | 75.22% | 74.77% | 70.50% | 73.12% | 70.72% | 71.05% | 69.64% | -86 bps | |
| Non-Interest Burden | 1.60% | 1.50% | 1.81% | 1.73% | 1.84% | 1.77% | 1.93% | 1.87% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.32% | 1.54% | 2.74% | 3.17% | 3.32% | 4.83% | 2.98% | 4.17% | +100 bps | |
| Loan Growth (YoY) | 11.29% | 2.23% | 4.70% | 4.92% | 5.91% | 8.25% | 5.26% | 3.82% | -109 bps | |
| Deposit Growth (YoY) | 5.50% | 1.69% | -0.06% | -4.37% | -1.14% | -0.97% | 1.91% | 3.41% | +778 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.08% | 0.76% | 0.61% | 0.53% | 0.54% | 0.78% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | +2 bps | |
| Allowance / Loans | 0.97% | 1.01% | 1.02% | 1.00% | 0.97% | 0.93% | 0.96% | 0.96% | -4 bps | |
| Allowance Coverage of NPLs | 9.3x | 11.3x | 12.4x | 1.3x | 1.6x | 1.8x | 1.8x | 1.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.20% | 8.08% | 8.21% | 8.40% | 8.33% | 8.28% | 8.43% | 8.82% | +41 bps | |
| Total Risk-Based Capital | 12.39% | 12.00% | 12.12% | 12.08% | 12.01% | 11.90% | 12.39% | 12.88% | +80 bps | |
| Equity / Assets | 4.79% | 4.15% | 4.42% | 4.48% | 5.05% | 5.29% | 5.30% | 5.98% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.38% | 86.96% | 86.75% | 89.04% | 91.47% | 95.06% | 89.60% | 89.39% | +36 bps | |
| Liquid Assets / Assets | 0.03% | 0.16% | 1.84% | 0.72% | 0.33% | 0.09% | 0.26% | 0.56% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 117.06% | 121.87% | 123.63% | n/a | n/a | |