FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH

BATH, ME | Small | Est. Jan. 1, 1935, midnight | FDIC #29636 | RSSD #583071 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH is asn small FDIC-insured commercial bank headquartered in BATH, ME, established in Jan. 1, 1935, midnight. As of 2025-12-31, the bank reported total assets of $186M and total deposits of $140M. Profitability stands at 0.46% ROA and 3.04% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 25.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.31% and a Texas Ratio of 11.45%. FDIC Certificate #29636.

Assets

$186M

Deposits

$140M

Loans

$149M

Equity

$28M

Profitability

Return on Assets (ROA) 0.46%
Return on Equity (ROE) 3.04%
Net Interest Margin (NIM) 3.85%
Yield on Assets 5.12%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 2.31%
Net Charge-Off Ratio 0.01%
Texas Ratio 11.45%
NPA Ratio 1.85%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 25.76%
Tier 1 Capital 25.76%
Total Capital Ratio 27.02%
Leverage Ratio 14.80%
Loan-to-Deposit 106.32%

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