The Baltic State Bank
Baltic, OH
IDRSSD: 112510
Total Assets
$121.97M
Latest filing
Total Deposits
$112.84M
Latest filing
Net Interest Margin
4.99%
Profitability
Key People
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Locations
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Main Office
The Baltic State Bank
101 E Main St
Baltic, OH 43804
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1902FDIC Certificate 11713
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Baltic State Bank (Main) | 101 E Main St | Baltic, OH |
| SUGARCREEK BRANCH | 401 E. Main St | Sugarcreek, OH |
| NEW BEDFORD BRANCH | 33919 State Route 643 | Baltic, OH |
| WEST LAFAYETTE BRANCH | 200 N Kirk St | W Lafayette, OH |
Showing 3 of 3
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 | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43804 |
| State and County Number | 39075 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| 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 | N/A |
Operational Info
| Number of Employees | 28 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/08/1957 |
| Primary Insurance Agency | DIF |
| Website | balticstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 17759 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $121.97M |
| Total Deposits | $112.84M |
| Total Liabilities | $113.39M |
| Total Equity Capital | $8.57M |
| Net Income | $297.00k |
| Net Loans and Leases | $92.14M |
| Assets Per Employee ($Millions) | $4.21M |
| Bank Premises and Fixed Assets | $2.31M |
| Cash and Balances due from Depository Institutions | $6.44M |
| Deposits Held in Domestic Offices | $112.84M |
Key Performance Ratios
| Return on Assets (ROA) | 1.02% |
| Return on Equity (ROE) | 13.99% |
| Net Interest Margin | 4.99% |
| Efficiency Ratio | 77.66% |
| Tier 1 Risk-Based Capital Ratio | 10.961% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.03% |
| Earning Assets to total Assets | 90.73% |
Income and Expense
| Total Interest Income | $1.77M |
| Total Noninterest Income | $103.00k |
| Total Interest Expense | $437.00k |
| Total Noninterest Expense | $1.12M |
| Net Interest Income | $1.33M |
| Pre-tax Net Operating Income | $297.00k |
| Provision for Credit Losses | $24.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $13.07M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $551.00k |
| Total Liabilities and Capital | $121.97M |
Securities
| Securities | $5.45M |
| Available-for-sale debt securities | $5.45M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Baltic State Bank?
$121.97M as of the latest filing.
How much are The Baltic State Bank's total deposits?
$112.84M in total deposits.
Where is The Baltic State Bank located?
Baltic, OH.
What is the Net Interest Margin?
4.99%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$92.14M (latest filing).
What is the total interest income (latest filing)?
$1.77M.