The Baltic State Bank: how it compares with its peers
Against 54 OH banks with half to twice its assets, The Baltic State Bank's strongest measure in Q2 2026 is net interest margin (4.85% vs. a 3.64% peer median). Its weakest relative measure is assets per employee ($4.5M vs. $5.8M).
| Measure | The Baltic State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 0.78% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.85% | 3.64% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.72% | 75.65% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $5.8M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.32% | 78.21% | Context |
What it means for lending operations
Its efficiency ratio of 75.72% is better than the 75.65% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Fidelity Federal Savings and Loan Association of Delaware Delaware, OH · $132M
- The Hamler State Bank Hamler, OH · $125M
- Adelphi Bank Columbus, OH · $124M
- Woodsfield Savings Bank Woodsfield, OH · $123M
- The Farmers and Merchants Bank Caldwell, OH · $136M
- The Twin Valley Bank West Alexandria, OH · $138M
Questions about The Baltic State Bank
How big is The Baltic State Bank?
The Baltic State Bank, established in 1902, is headquartered in Baltic, OH. It reported $130M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Baltic State Bank's return on assets?
1.11% annualized in Q2 2026, against a 0.78% median for 54 OH banks with half to twice its assets, ahead of 76% of them.
What is The Baltic State Bank's efficiency ratio?
75.72% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 75.65%, and lower is better.
Is The Baltic State Bank growing its loans?
Net loans grew 11.0% over the year to Q2 2026, while deposits grew 16.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.