Applications / Mortgage Analytics / Lenders / Indiana / The Bath State Bank
Bath, IN · State non-member bank · FDIC · $337 million assets · 107 loans in 2025
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107
loans originated, 2025
109
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bath State Bank, an Indiana bank, makes small conventional loans, and more than a quarter of them are for purposes other than buying or refinancing a home.
Purchases made up 45.8% of its 107 loans in 2025 and refinances 25.2%, but 28.0% were for other purposes. Every loan was conventional. Its typical loan was $135,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans).
Its loans rose 7% from 100, against 9% at similar lenders and 10% for the whole market. It made 335 in 2020 and has made about 100 a year since 2023. It has lent in non-metro Indiana and around Cincinnati since 2004, when it first reported.
Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts) rose to 14.9% from 6.0%, nearer the 18.3% at similar lenders. Low- and moderate-income borrowers took 28.2%, close to peers' 27.5%. It made no loans in majority-minority neighborhoods, against 6.2% at similar lenders; its 13 counties in Indiana and Ohio may hold few of them.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Bath State Bank took 109 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.8% · Other 28.0% · Refinance 25.2% · Home improvement 0.9%
Conventional 100.0% · of 107 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 79 | 73.8% |
| Ohio | 28 | 26.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 29 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930031L785BSBDTE46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 308340 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38035 | 2004–2017 |
Established 23 October 1923. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Bath State Bank's data.
The Bath State Bank's data
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The Bath State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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