BlastPoint's Banking Scorecard
The Baltic State Bank
Micro
Specialty: Consumer
OH
FDIC cert 17759
Designations: ✓ Community bank
Baltic, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Baltic State Bank shows strong momentum with 2 strengths and 12.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$122.0M
+12.7% YoY
+9.6% QoQ
|
-$95.5M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$92.1M
+6.9% YoY
+2.6% QoQ
|
-$47.0M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$112.8M
+12.1% YoY
+10.4% QoQ
|
-$70.8M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.30%
+28.7% YoY
-7.8% QoQ
|
+0.21% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
4.85%
+9.8% YoY
+0.3% QoQ
|
+1.00% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
71.89%
-3.1% YoY
+3.0% QoQ
|
+4.16% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
81.66%
-4.6% YoY
-7.1% QoQ
|
+7.13% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
19.41%
-5.9% YoY
-10.0% QoQ
|
-2.99% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
10.96%
+2.0% YoY
-3.8% QoQ
|
+2.11% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.33%
-7.8% YoY
+23.1% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
88
88th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.85%
65
65th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.08%
55
55th pctile
Tier 1 Capital Ratio
Current: 10.96% · Tier avg: 8.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.41% · Tier avg: 22.39%
40
40th pctile
Total Loans
Current: $92.1M · Tier avg: $139.2M
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.66% · Tier avg: 74.53%
35
35th pctile
Efficiency Ratio
Current: 71.89% · Tier avg: 67.73%
33
33th pctile
Total Deposits
Current: $112.8M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $122.0M · Tier avg: $217.5M
Top Weaknesses
29
29th pctile
Total Assets
Current: $122.0M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $112.8M · Tier avg: $183.7M
35
35th pctile
Efficiency Ratio
Current: 71.89% · Tier avg: 67.73%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.66% · Tier avg: 74.53%
40
40th pctile
Total Loans
Current: $92.1M · Tier avg: $139.2M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.41% · Tier avg: 22.39%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
55
55th pctile
Tier 1 Capital Ratio
Current: 10.96% · Tier avg: 8.85%
65
65th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.08%
88
88th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%