🏦Bank Scorer

BATH STATE BANK

BATH, IN · Supervised by FDIC

Est. 1923FDIC #8,035RSSD: FDIC-8035
Part ofBATH ST BCORP EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONS→ View all charters
Satisfactory Same

Current rating · Exam: April 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Address

3095 Bath Road, BATH, IN

County

Franklin County

Established

October 23, 1923

Total Assets

$333M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$333M

Total Deposits

$282M

Net Loans

$250M

Net Income

$819K

ROA

0.98%

ROE

18.46%

Risk-Based Capital

12.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.89%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$275M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410694.34%1.89%
202310397.09%0.00%
202214794.56%2.04%
202122295.5%1.35%
202034597.1%0.29%
201914693.84%1.37%
201810094%4.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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