Bank · FDIC insured
Bath State Bank
A $337.6M bank headquartered in Bath, IN, with 3 branches in Indiana. Best rates: CDs 3.85% and savings 0.50% APY.
Bath State Bank Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#36 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bath State Bank
Bath State Bank is based in Bath, Indiana, and serves communities including Bath, West College Corner, and Liberty, Indiana, as well as parts of Ohio.
- Headquarters
- 3095 Bath Road, Bath, IN 47010
- FDIC certificate
- 8035 ↗
Branches
3 branches in Indiana
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Indiana
3 branches
Cincinnati area · 1
- Bath State BankMain office3095 Bath Road, Bath, IN 47010Directions
Liberty area · 1
- The Bath State Bank Branch110 N Main St, Liberty, IN 47353Directions
West College Corner area · 1
- West College Corner Branch3828 Us Highway 27 N, West College Corner, IN 47003Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.82% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.78% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.01% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $89 | $81 | — |
- CapitalLeverage ratio8.82%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.78%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.01%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$89Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bath State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.