Dear Friends,

Welcome to the Baltic State Bank. The Baltic State Bank is located in the Village of Baltic, Tuscarawas County, in the scenic hills of East-Central Ohio.

The Tri-County area (Tuscarawas-Holmes-Coshocton) is made up of beautiful crop and dairy farms, many small industries and is now becoming one of the top tourist areas in the State.  One of the main tourist attractions in the area is the largest Amish population in the United States.

The Baltic State Bank opened its doors in 1902 as the Bank of Baltic.  The Bank was incorporated as The Baltic State Bank in November of 1914.  Descendants of the original group of shareholders still make up a portion of our present shareholders, work force, and customer base.  Our current office, built in 1990, is the third location for the Bank in our 100 plus years of existence and is located within 200 yards of the original location.

Needless to say, because our main office is located in a small village in a rural area, our personal way of doing business has changed very little over the years. We take great pride in our quality, personal service which our customers have come to know and expect.

The Baltic State Bank offers a wide variety of banking products and services including free internet banking and bill pay.  Our rates on savings and loans remain among the most competitive offered in our area.  Please review the various area of our web site for additional information.

If you have occasion to visit the Baltic area, we welcome you to stop at our office and say hello.  If we can accommodate you in some way, it would be our pleasure. We think you will enjoy your stop in the area.

The Friendly Staff

THE BALTIC STATE BANK

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.