Bath Savings Institution
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Data as of · sourced from FFIEC call reports. How we update
Bath Savings Institution is an FDIC-insured savings bank headquartered in Bath, ME, established in 1852 (FDIC certificate 17749), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.50B, up 3.8% from Q2 2025, the 12th largest of 22 banks headquartered in Maine. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17749
- Headquarters
- Bath, ME
- Established
- 1852
- Total assets, Q2 2026
- $1.50B
- Assets vs Q2 2025
- +3.8%
- Tier 1 leverage ratio, Q2 2026
- 15.76%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 211274447
- Asset rank in state
- 12th of 22 in Maine
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bath Savings Institution is the 12th largest of the 22 banks headquartered in Maine. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $1.50B, loans rose 0.8% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.4% of total loans, followed by non-owner-occupied commercial real estate loans at 22.1%. The FDIC Summary of Deposits lists 12 offices for it, in 10 cities in ME; its Bath office books 47% of its branch deposits. On its Q2 2026 call report, Bath Savings Institution meets the community bank leverage ratio test for well capitalized.
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
- Domestic offices
- 13 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bath Savings Institution reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bath Savings Institution's total assets ranged from $1.29B (Q3 2023) to $1.50B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.50B total assets against $1.45B; $1.28B total liabilities against $1.24B.
$870.5M net loans and leases against $825.1M; $1.15B total deposits against $1.13B.
$502.8M securities against $466.0M; $44.9M cash and balances due against $72.6M.
$17.1M total interest income against $15.7M; $6.1M total interest expense against $6.6M.
$11.0M net interest income against $9.1M.
$3.2M total noninterest income against $3.3M; $9.3M total noninterest expense against $8.8M.
$252K provision for credit losses against $240K.
$5.3M net income against $4.7M.
1.39% return on assets against 1.29%; 3.05% net interest margin against 2.61%.
15.76% tier 1 leverage ratio against 15.45%.
Inside the full Bath Savings Institution terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBath Savings Institution rankings
Its closest position to the top of a national ranking is 141 of 980, for uninsured deposits; its furthest is 3,153 of 3,640, for Texas Ratio.
Metric pages for Bath Savings Institution: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.06% (Q1 2026) to 1.39% (Q2 2026) and its net interest margin ran from 2.46% (Q3 2024) to 3.05% (Q2 2026).
| 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
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 2.5% of deposits in ME, rank 15 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Bath Savings Institution headquartered?
It is headquartered in Bath, ME, United States.
When was Bath Savings Institution founded?
It was established in 1852, per the FDIC institution directory.
Is Bath Savings Institution FDIC-insured?
Yes. It 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.
How many branches does Bath Savings Institution operate?
It 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?
Its Texas Ratio is 0.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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