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Bath State Bank
Bath, IN · FDIC Certificate #8035 · Chartered 10/2
Total assets
$337.56M
Total deposits
$283.89M
Total equity
$20.20M
Net loans
$251.34M
Branches (offices)
3
Net income (YTD)
$1.69M
Rank: #2,303 of 4,213 U.S. banks by assets · #58 of 87 in Indiana. Assets changed 4.2% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 18.25% |
| Net interest margin (YTD) | 3.15% |
| Equity to assets | 5.98% |
| Tier 1 leverage ratio | 8.82% |
| Uninsured deposits (share of deposits) | 23.1% |
| Noncurrent loans (share of loans) | 0.78% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 88.5% |
| Real estate loans (share of loans) | 72.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $181.09M | 72.1% | |
| Commercial & industrial | $6.19M | 2.5% | |
| Consumer / individual | $4.26M | 1.7% | |
| Construction & development | $11.53M | 4.6% | |
| Agricultural | $62.53M | 24.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $257.96M | $240.33M | $1.35M | $11.03M |
| Jun 2023 | $284.90M | $258.69M | $694.00K | $9.55M |
| Jun 2024 | $314.07M | $287.08M | $751.00K | $12.37M |
| Jun 2025 | $324.04M | $274.53M | $1.45M | $14.53M |
| Jun 2026 | $337.56M | $283.89M | $1.69M | $20.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $283.89M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $283.89M.
Similar-sized banks
Varo Bank, National Association ($337.82M) · The First Trust And Savings Bank Of Watseka, Illinois ($337.13M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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