Bath State Bank
Bath, IN
IDRSSD: 308340
Total Assets
$337.32M
Latest filing
Total Deposits
$275.20M
Latest filing
Net Interest Margin
3.09%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bath State Bank
3095 Bath Road
Bath, IN 47010
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/23/1923FDIC Certificate 5115
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bath State Bank (Main) | 3095 Bath Road | Bath, IN |
| WEST COLLEGE CORNER BRANCH | 3828 Us Highway 27 N | West College Corner, IN |
| THE BATH STATE BANK BRANCH | 110 N Main St | Liberty, IN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/23/1923 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 47010 |
| State and County Number | 18047 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 37 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/29/2021 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bathstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 8035 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $337.32M |
| Total Deposits | $275.20M |
| Total Liabilities | $319.46M |
| Total Equity Capital | $17.86M |
| Net Income | $1.00M |
| Net Loans and Leases | $259.16M |
| Assets Per Employee ($Millions) | $8.88M |
| Bank Premises and Fixed Assets | $2.24M |
| Cash and Balances due from Depository Institutions | $1.49M |
| Deposits Held in Domestic Offices | $275.20M |
Key Performance Ratios
| Return on Assets (ROA) | 1.2% |
| Return on Equity (ROE) | 23.09% |
| Net Interest Margin | 3.09% |
| Efficiency Ratio | 64.17% |
| Tier 1 Risk-Based Capital Ratio | 10.922% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.295% |
| Earning Assets to total Assets | 95.02% |
Income and Expense
| Total Interest Income | $4.47M |
| Total Noninterest Income | $348.00k |
| Total Interest Expense | $2.03M |
| Total Noninterest Expense | $1.79M |
| Net Interest Income | $2.44M |
| Pre-tax Net Operating Income | $1.00M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $41.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.45M |
| All Other Liabilities | $1.81M |
| Total Liabilities and Capital | $337.32M |
Securities
| Securities | $61.06M |
| Available-for-sale debt securities | $61.06M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $5.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bath State Bank?
$337.32M as of the latest filing.
How much are Bath State Bank's total deposits?
$275.20M in total deposits.
Where is Bath State Bank located?
Bath, IN.
What is the Net Interest Margin?
3.09%.
How many domestic offices does it operate?
3.
When was it established?
10/23/1923.
What is the Return on Assets (ROA)?
1.2%.
How much are total loans and leases?
$259.16M (latest filing).
What is the total interest income (latest filing)?
$4.47M.