FDIC Cert #8035 · Bath, Indiana · Est. 1923

Bath State Bank - FDIC Bank Health Profile

A community-scale look at Bath State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$337M
Total assets
C
Health grade · Fair
0.93%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

Bath State Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 10.92% Tier 1, 0.93% ROA, 71% efficiency ratio.

#2,325
largest of 4,313 FDIC banks by assets
46th
percentile by asset size, nationally
10.92%
Tier 1 ratio - above the 10% well-capitalized line
38th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 8035 · IN C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3676/4307
  • PHOTO-FINISH Marion Center Bank · PA
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 6.8% Texas
  • ROA-PAR 0.93% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Marion Center Bank, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bath State Bank

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Summit Bank · PA · near62/100Alton Bank · MO · near62/100Bath State Bank · IN · this …62/100Marion Center Bank · PA · ne…62/100O'Bannon Banking Com… · MO ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bath State Bank · July 2026

What Bath State Bank's Call Report plate shows

Bath State Bank (FDIC Cert #8035) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,676 of 4,307. Tier 1 capital prints at 10.92%, clearing the 10% well-capitalized line. The Texas Ratio is 6.83%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.93%. Balance-sheet scale is $337M, 2,325th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Marion Center Bank (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bath State Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Bath State Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bath State Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How Bath State Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Bath State Bank's composite health score
Tier 1 Capital Ratio (10.92%) 28/40
Return on Assets (ROA) (0.93%) 14/25
Texas Ratio (6.83%) 16/20
Efficiency Ratio (70.72%) 4/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$337M

Total balance-sheet footings

Total Deposits

$275M

Customer-funded liabilities

Net Loans

$259M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.52% 10.92% 12.32%
Basel III capital ratios - Bath State Bank

Where Bath State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bath State Bank's score of 62/100 falls in the highlighted band.

Bath State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 15th percentile higher than 15% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bath State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bath State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bath State Bank's $337M falls in the highlighted band.

Safety ratios for Bath State Bank

Tier 1 capital ratio
Well-capitalized 10%

10.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.92%
Texas Ratio
6.83%
Equity Capital
$18M

What these ratios mean →

Profitability metrics: Bath State Bank

Return on Assets (ROA)
38th percentile nationally
0.93%
Return on Equity (ROE)
19.84%
Efficiency Ratio
70.72%

What these mean →

Income & expense at Bath State Bank

$17M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bath State Bank reports a Texas Ratio of 6.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bath State Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($337M here), outside Indiana so the neighborhood is not state containment.

Rivers Edge Bank $337M · SD PCSB Bank $337M · IA Sherburne State Bank $337M · MN Community Bank of Raymore $338M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bath State Bank (FDIC Cert #8035) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bath State Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%