Total Assets
$337M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$275M
Customer-funded liabilities
Net Loans
$259M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.93%
Return on Equity (ROE)
19.84%
Efficiency Ratio
70.72%
What the numbers say about Bath State Bank
Bath State Bank is an FDIC-insured institution (Certificate #8035) headquartered in Bath, Indiana, established in 1923. It holds $337M in total assets - 2,325th of 4,313 FDIC-insured banks, $275M in customer deposits, and $259M in net loans. Capital-wise, the Tier 1 ratio sits at 10.92%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 6.83%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bath State Bank sits 59th of 90 banks headquartered in Indiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Indiana by total assets
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.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bath State Bank's health grade?▼
Bath State Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bath State Bank?▼
Bath State Bank holds $337M in total assets and $275M in deposits, ranking 2,325th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bath, Indiana.
Is my money safe at Bath State Bank?▼
Yes, deposits at Bath State Bank (Certificate #8035) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bath State Bank's Tier 1 Capital Ratio?▼
Bath State Bank has a Tier 1 Capital Ratio of 10.92%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bath State Bank?▼
Bath State Bank has a Texas Ratio of 6.83%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bath State Bank?▼
Bath State Bank has an Efficiency Ratio of 70.72%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bath State Bank's profile as a depositor or analyst.
- Bath State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bath State Bank against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.