BanksFIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH

BATH, MESmallEst. Jan. 1, 1935, midnightFDIC #29636RSSD #583071OCC
Latest · 2025-12-31

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH is an 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%. CET1 capital ratio: 25.76%, well above regulatory minimums. NPL ratio: 2.31% · Texas Ratio: 11.45%. Operates 5 domestic branches.

Assets
$186M
Deposits
$140M
Loans
$149M
Equity
$28M

Profitability

Return on Assets (ROA)0.46%
Return on Equity (ROE)3.04%
Net Interest Margin3.85%
Yield on Assets5.12%
Cost of Funds1.39%

Asset Quality

NPL Ratio2.31%
Net Charge-Off Ratio0.01%
Texas Ratio11.45%
NPA Ratio1.85%
ACL / Loans1.28%

Capital & Liquidity

CET1 Ratio25.76%
Tier 1 Capital25.76%
Total Capital Ratio27.02%
Leverage Ratio14.80%
Loan-to-Deposit106.32%

This is just the summary.

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