The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 3 points (57 → 60), mostly because the funding & liquidity component improved by 5 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Indiana

Yes. Bath State Bank is an FDIC-insured institution (FDIC certificate #8035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.1% of deposits ($65.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.82%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.88% (benchmark: 10%).

Check how much of your own balance is covered

Bath State Bank lists 3 offices in 3 cities. Most locations:

• Bath, IN (1)
• Liberty, IN (1)
• West College Corner, IN (1)

All branch addresses and map

In 2025, Bath State Bank reported 109 home-loan applications under HMDA (LEI 54930031L785BSBDTE46): 107 originated ($18,115,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Bath State Bank

Type

State-chartered bank

FDIC certificate #

8035

RSSD ID

308340

Primary regulator

FDIC

Holding company

Bath St Bcorp Employee Stk Ownership Plan With 401 K Provisions

Established

October 23, 1923

Headquarters

3095 Bath Road, Bath, IN 47010

Website

www.bathstatebank.com

Employees

38