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The Baltic State Bank
Baltic, OH · FDIC Certificate #17759 · Chartered 01/0
Total assets
$129.58M
Total deposits
$119.64M
Total equity
$9.08M
Net loans
$100.88M
Branches (offices)
4
Net income (YTD)
$692.00K
Rank: #3,465 of 4,213 U.S. banks by assets · #118 of 155 in Ohio. Assets changed 16.4% and deposits 16.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 15.68% |
| Net interest margin (YTD) | 4.85% |
| Equity to assets | 7.01% |
| Tier 1 leverage ratio | 7.81% |
| Uninsured deposits (share of deposits) | 13.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 84.3% |
| Real estate loans (share of loans) | 87.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $88.19M | 87.4% | |
| Commercial & industrial | $7.65M | 7.6% | |
| Consumer / individual | $2.92M | 2.9% | |
| Construction & development | $2.85M | 2.8% | |
| Agricultural | $965.00K | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $91.67M | $85.36M | $411.00K | $5.84M |
| Jun 2023 | $98.84M | $92.02M | $523.00K | $6.14M |
| Jun 2024 | $100.72M | $91.39M | $527.00K | $6.95M |
| Jun 2025 | $111.35M | $102.90M | $711.00K | $7.97M |
| Jun 2026 | $129.58M | $119.64M | $692.00K | $9.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $119.64M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $119.64M.
Similar-sized banks
First State Bank ($129.71M) · Keysavings Bank ($129.49M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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