Important to note that Davids reference would not apply to a Commercial bathroom....and it also does not apply to supplementary OCPD in any bathroom.
The rule for service disconnection means is 230.70(A)(2) and it does not give relief for either.....so it applies to all bathrooms when dealing with service disconnection means.
But if you wish to install a empty panelboard in a bathroom (in general)....it's permitted...lol