Baltic State Bank

Overview / Commentary

www.balticstatebank.com

330-897-6401

101 East Main Street
Baltic, OH 43804

Baltic State Bank is headquartered in Baltic and is the 148^th largest bank in the state of Ohio. It is also the 4,531^st largest bank in the nation. It was established in 1902 and as of June of 2019, it had grown to 18 employees at 3 locations. Baltic State Bank's CD rates are 2X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2019

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Baltic State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	17759
Year Established	1902
Employees	18
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.47%
Return on Equity - YTD	5.22%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$69.3MM$56.7MM
Loans	Q2 2019vs Q2 2018	$60.3MM$48.0MM
Deposits	Q2 2019vs Q2 2018	$62.8MM$50.5MM
Equity Capital	Q2 2019vs Q2 2018	$6.0MM$6.0MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$376.00K$393.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$0$0
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Baltic State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$25k^*	-	Passbook Savings
OTHER TIERS: 0.25% → $20 - $5k \| 0.30% → $5k - $25k
0.35%^*	$25k^*	-	Statement Savings
OTHER TIERS: 0.25% → $20 - $5k \| 0.30% → $5k - $25k
0.25%	$5	-	Christmas Savings
0.25%	-	-	Health Savings Account

Baltic State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	You Choose Checking Account
0.20%^*	$25k^*	-	NOW
OTHER TIERS: 0.15% → $1k - $5k \| 0.18% → $5k - $25k

Baltic State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$500	-	12 to 17 Month CD
2.02%	$500	-	18 to 23 Month CD
2.02%	$500	-	24 to 35 Month CD
2.02%	$500	-	36 to 47 Month CD
2.02%	$500	-	48 to 59 Month CD
2.02%	$500	-	60 Month CD
2.02%	$500	-	12 Month Variable CD
1.01%	$500	-	6 to 11 Month CD
0.75%	$500	-	3 to 5 Month CD
0.50%	$500	-	1 to 2 Month CD

Baltic State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$500	-	12 to 17 Month IRA
2.02%	$500	-	18 to 23 Month IRA
2.02%	$500	-	24 to 35 Month IRA
2.02%	$500	-	36 to 47 Month IRA
2.02%	$500	-	48 to 59 Month IRA
2.02%	$500	-	60 Month IRA
2.02%	$500	-	12 Month Variable IRA
1.01%	$500	-	6 to 11 Month IRA
0.75%	$500	-	3 to 5 Month IRA
0.50%	$500	-	1 to 2 Month IRA

Locations

Baltic State Bank Locations
The Baltic State Bank	101 East Main Street	Baltic, OH 43804
Sugarcreek Branch	401 E. Main St	Sugarcreek, OH 44681
New Bedford Branch	33919 State Route 643	Baltic, OH 43804

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