# BALTIC STATE BANK
BALTIC, OH · FDIC certificate 17759 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $129.6M | |
| Deposits | $119.6M | |
| Loans and leases | $101.9M | |
| Total equity | $9.1M | |
| Loans / deposits | 84.32% (p69 of band) | 73.59% |
| Liquid assets / assets | 17.76% (p17 of band) | |
| Uninsured deposits / deposits | 13.83% (p27 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.81% (p2 of band) | 11.76% |
| Unrealized securities loss / equity | -7.43% (p48 of band) | -6.57% |
| AOCI / equity | -0.15% (p61 of band) | |
| ROA (annualized) | 1.11% (p47 of band) | 1.17% |
| Net interest margin | 4.85% (p87 of band) | 3.93% |
| Efficiency ratio | 75.72% (p72 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 87% | |
| Construction % of loans | 31.33% (p65 of band) | |
| Auto loans | $2.7M (2.67% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $351,000 (4% of equity) (p97 of band) | |
| Deposits YoY | 16.3% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2012-06 | 1 |  | capital falling, losing money |
| 2012-09 | 1 | uninsured deposits leaving | expense ratio p90 |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 3 | losing money, expense ratio p90 |  |
| 2014-09 | 0 |  | capital falling, losing money, expense ratio p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 2 | liquid assets <10%, expense ratio p90 |  |
| 2018-12 | 2 | capital falling | liquid assets <10% |
| 2019-03 | 3 | loans exceed deposits, liquid assets <10% | expense ratio p90 |
| 2019-06 | 2 |  | loans exceed deposits |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 | brokered >10% | liquid assets <10% |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 | uninsured deposits leaving | brokered >10% |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | leverage <7% | uninsured deposits leaving |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | capital falling, leverage <7% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | charge-offs p90 |  |
| 2022-12 | 1 | AOCI drag >20% of equity | charge-offs p90 |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | uninsured deposits leaving |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 0 |  | uninsured deposits leaving, capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-13 [Baltic State Bank vice president says new branch in West Lafayette 'made sense' - Coshocton Tribune](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOUE9YNGVBbnNUSnlic2xWaHlkWnpJajJCaTVzMm50Um9HRjFlNC1MdXRNNXh4VEdYTERGTFJwb1R6dlJELU5nVnVQUHI2Wkx2UnFvSlVZTzZHSmxfWEVZUGQxTjVsTnR0aGVIa3VWbUJyZFY3NWFvRTZVV1FFRkNFYzB0X21WaDNRcUdBMl8zZ016RTlMM0psaEp4OFhoWlFhX3ZKOWlub0VtMUtyNlpwLXU5dWU2X29WSFhzbnpiUWpnTUNseGFkNlNlcmFRakJzZmdDVzR5UGhJMHc?oc=5) · Coshocton Tribune
- 2025-10-13 [Baltic State Bank branch opens in West Lafayette - Coshocton Tribune](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPVDhzRV9iSUp3UThEd284S0pJZE9XQ2MwaXA2RzZjM09JT0ppdDN0ZFNNbmF3X2pSd3ZlakJyWFR4bmNvSWxXaUpWMm9Zdmk4aEpvRzE5RGlYQXZwaHBYWFhsYU9NMTBqOUZqODlzXy1xaHRrTUluNWhBc0ppcExQVm9tOGZoX3ZEYmREVFZxeWtkeWN5YlRIMVJZSm9iRWFuOFVVbFJiemRUVTg4MmpiUmk4NEFPUC02b0w3Qk1QVVUwWnlESG9NMWNKd0lBNW1sLURrNmprczFMLThrQmRxMFhnVQ?oc=5) · Coshocton Tribune
- 2018-04-08 [Angela Miller named Baltic State Bank as Vice President - Times Reporter](https://news.google.com/rss/articles/CBMipgFBVV95cUxOeUFpQUd0bkplbi1mOHNVa3lPVWRBeTlDamdRSktDMWZRMkphcnpuVXJkU1V0Y2YzLXZ4TmE0SHFTbHBDY0kzUHk3alA5cmt2QVdkbW1zVlhVV1Bkbm8xRnJJMlRsZDIybXk0S25XeGFHLVFOMTRfZDZKR0dGOE14YjA4eklkT2hJeDl6YUhwTVBNTXNEWmlrM2ZzOGZBTjBSYWFSU3NR?oc=5) · Times Reporter
- 2019-07-04 [Wilma Miller Obituary Jul 4, 2019 - Miller Funeral Home and Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTFBIZGZuSmJ6TW9ULVFEYnFmNWk4TzhycDZfUHpydXNKMWZoRk16bHpHdkV4ZDZ1bU9oSXpMR1pTcm9zeDJRSEtBclBUbDFGandmQUhvbWYtT2RTaTdzR00wLUpEN0M2cDR2VkhBdg?oc=5) · Miller Funeral Home and Crematory
- 2005-12-24 [Carolyn E. Wertman Obituary Dec 24, 2005 - Geib Funeral Homes and Crematories](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE84Q1lnSGZUeHVaWkk3SGRBSzRiX0doc1BlZ1dDcW11WFp2MjJLbjE5ZVNIU1FPbDczcDFuWHk5UlY1TEJNdkFIWDVEaWl0dWlEdDl2ZzBxcFZySWNlN0NYcDRaSjdzb28?oc=5) · Geib Funeral Homes and Crematories
- 2025-05-08 [Providing for rural communities is focus of new Baltic State Bank branch in West Lafayette - Coshocton Tribune](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNXzRTVEdWVklUbmpjalFVTGJTYlZTN09ZZHdWUENEaVRlTmdDQzJ0WEhHYXFCTGpvOEdOYVVRb29qWWV5YmRRdktlM2hMNGhYcE9fV2gtc1EyXzhSWW92Q3B1LVFuenJkMVprbHdMZ1J5LUppQ3dDbUhpaGtwUXhvTnIyZFo5cG43eGt3RzEtTldrTENMSnNGVFYyd0ZxSTZ4bURrMXY1RzFoUkRjZFNVQzFNbXhuV0w5SWVNeE9vSjBoTG9xTDVWbkd4NWpNOHZqRWNUQUFwUVRobkhxQ3REVXZWUEIxdw?oc=5) · Coshocton Tribune
- 2020-09-24 [Robert Wise Obituary (1942 - 2020) - New Philadelphia, OH - The Times Reporter - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOWF6Zmp2SV9NRkZSMTN1aExPZmVQN3lkdWYtLUhyMFpFSnRmNFlNNTdHQ2RpdG1GMjg2Rkt4X0Zia25hSDVSWW9GNUphZzUwd1R4MkxPNUJiOC1qQVlfU3oxT0VVdHE0elp4bXU1dkJmZHB1dVpza1BWXzg0UXRrSFg3dkVFek03YUlHMGlNRXdpdw?oc=5) · legacy.com
- 2026-04-30 [Leadership Tuscarawas to graduate 35 participants at May 12 event - Times Reporter](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOZ1UwQTd1cUJvekFPVDB1b1U1RllpZHUzWVZNQ3djWGpJX25INGpGTXpxVEFTcWNJd29SRVZHVG1jb3B5RG1LX1dPc0xieUU1TXlqd0MwMGNack1Ka1NQNXREek9POWQ0TVoxZGFPYWk1THhjS0x1NDcwZWhGdHhqb2szaUtTT0J0ZUdxVDJCM0k0NzF2SUhmRTlHdHhfRF9YR3pjSTJFNEpFVzd6TWxZUFFiSktvMHBGMG9RX2dNRmI5REdnalZVU1RYcHV5R2FYVnF4U24teHhPX3NhX1E?oc=5) · Times Reporter

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17759 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "17759", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide