Bath Savings Institution: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bath Savings Institution carries far more capital than most banks of its size. Based in Bath, Maine, it had $1.5 billion in assets at June 30, 2026, up 3.8% from a year earlier. It funds 15.76% of its assets with Tier 1 capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter rose 13% from a year earlier, to $5.3 million. Funding is the softer spot: it holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Bath Savings Institution reported a return on assets of 1.39%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.20%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 105 Front St, Bath, ME 04530
- County
- Sagadahoc
- Metro Area
- Portland-South Portland, ME
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 19, 1852
- Offices
- 13 domestic
- Employees (FTE)
- 185
- Domestic deposits
- $1.15B
- Allowance for credit losses
- $12.5M
- Net charge-offs (YTD)
- -$109K
- Average total assets
- $1.53B
- Average total loans
- $848.7M
- Average interest-bearing deposits
- $822.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- April 18, 1957
- FDIC Cert
- 17749
- Fed RSSD
- 433505
- Website
- www.bathsavings.bank →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bath Savings Institution terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bath Savings Institution, freeBath Savings Institution rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Bath Savings Institution: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.76% | 1.39% | 0.05% | 0.20% | 3.05% |
| Q1 2026 | 15.49% | 0.06% | 0.14% | 0.56% | 2.95% |
| Q4 2025 | 15.43% | 1.32% | 0.12% | 0.44% | 2.84% |
| Q3 2025 | 15.42% | 1.06% | 0.15% | 0.56% | 2.75% |
| Q2 2025 | 15.45% | 1.29% | 0.16% | 0.62% | 2.61% |
| Q1 2025 | 15.41% | 0.43% | 0.13% | 0.48% | 2.58% |
| Q4 2024 | 15.42% | 1.28% | 0.07% | 0.30% | 2.49% |
| Q3 2024 | 15.35% | 1.27% | 0.08% | 0.30% | 2.46% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bath Savings Institution (main office) | Bath , ME | 04530 | $540.9M |
| Brunswick Branch | Brunswick , ME | 04011 | $148.0M |
| Freeport Branch | Freeport , ME | 04032 | $137.5M |
| Falmouth Branch | Falmouth , ME | 04105 | $66.7M |
| Damariscotta Branch | Damariscotta , ME | 04543 | $63.0M |
| Yarmouth Branch | Yarmouth , ME | 04096 | $59.0M |
| Portland Branch | Portland , ME | 04103 | $57.4M |
| Boothbay Harbor | Boothbay Harbor , ME | 04538 | $49.0M |
| South Portland Branch | South Portland , ME | 04106 | $19.3M |
| Westbrook Branch Office | Westbrook , ME | 04092 | $11.2M |
| Oceanview Retirement Com. Branch | Falmouth , ME | 04105 | $2.2M |
| Park Danforth Branch | Portland , ME | 04103 | $70K |
Regulatory record
What the public regulatory sources show for Bath Savings Institution, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.5% of deposits in ME, rank 15 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $3.7M approved, $736K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bath Savings Institution
What are Bath Savings Institution's total assets?
As of the Q2 2026 filing, Bath Savings Institution reported total assets of $1.50 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bath Savings Institution headquartered?
Bath Savings Institution is headquartered in Bath, ME, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Bath Savings Institution founded?
Bath Savings Institution was established in 1852, per the FDIC institution directory.
Is Bath Savings Institution FDIC-insured?
Yes. Bath Savings Institution is an FDIC-insured savings bank (FDIC Certificate #17749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bath Savings Institution?
Bath Savings Institution's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Bath Savings Institution operate?
Bath Savings Institution operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bath Savings Institution's Texas Ratio?
Bath Savings Institution's Texas Ratio is 0.20% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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