FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH is an FDIC-insured commercial bank headquartered in BATH, ME, established in 1935. As of , the bank reported total assets of $186M and total deposits of $140M. Profitability stands at 0.20% ROA and 1.31% ROE, with a net interest margin of 3.94%. CET1 capital ratio: 25.63%, well above regulatory minimums. NPL ratio: 4.60% · Texas Ratio: 22.58%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
First Federal Savings and Loan Association of Bath rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 25.63% | 0.20% | 4.60% | 22.58% | 3.94% |
| 2025-09-30 | 25.89% | 0.51% | 4.53% | 22.52% | 3.80% |
| 2025-06-30 | 25.91% | 0.33% | 4.40% | 21.85% | 3.60% |
| 2025-03-31 | 25.88% | 0.14% | 4.68% | 22.99% | 3.43% |
| 2024-12-31 | 25.49% | 0.49% | 4.38% | 21.43% | 3.46% |
| 2024-09-30 | 25.76% | 0.51% | 3.91% | 19.12% | 3.74% |
| 2024-06-30 | 25.60% | 0.19% | 3.62% | 17.89% | 3.36% |
| 2024-03-31 | 26.15% | 0.31% | 2.26% | 11.01% | 3.63% |
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Frequently asked about FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH
What are First Federal Savings and Loan Association of Bath's total assets?
As of the Q4 2025 filing, First Federal Savings and Loan Association of Bath reported total assets of $186.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Savings and Loan Association of Bath headquartered?
First Federal Savings and Loan Association of Bath is headquartered in BATH, ME, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Federal Savings and Loan Association of Bath founded?
First Federal Savings and Loan Association of Bath was established in 1935, per the FDIC institution directory.
Is First Federal Savings and Loan Association of Bath FDIC-insured?
Yes. First Federal Savings and Loan Association of Bath is an FDIC-insured commercial bank (FDIC Certificate #29636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings and Loan Association of Bath?
First Federal Savings and Loan Association of Bath's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Savings and Loan Association of Bath's CET1 capital ratio?
First Federal Savings and Loan Association of Bath reported a Common Equity Tier 1 (CET1) capital ratio of 25.63% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Federal Savings and Loan Association of Bath operate?
First Federal Savings and Loan Association of Bath operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Federal Savings and Loan Association of Bath's Texas Ratio?
First Federal Savings and Loan Association of Bath's Texas Ratio is 22.58% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.