Bank Comparison
First Federal Savings and Loan Association of Bath vs Hatch Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association of Bath | Hatch Bank |
|---|---|---|
| CET1 Ratio | 25.94% | 30.76% |
| Tier 1 Capital Ratio | 25.94% | 30.76% |
| Total Capital Ratio | 27.20% | 32.02% |
| Tier 1 Leverage Ratio | 14.65% | 22.73% |
| Equity / Assets | 15.29% | 20.93% |
Profitability
| Metric | First Federal Savings and Loan Association of Bath | Hatch Bank |
|---|---|---|
| Return on Assets (ROA) | 0.55% | 4.75% |
| Return on Equity (ROE) | 3.64% | 23.15% |
| Net Interest Margin (NIM) | 4.09% | 5.29% |
| Yield on Earning Assets | 5.35% | 7.22% |
| Cost of Funds | 1.37% | 2.67% |
Asset quality
| Metric | First Federal Savings and Loan Association of Bath | Hatch Bank |
|---|---|---|
| Texas Ratio | 23.55% | 0.71% |
| Non-Performing Loan Ratio | 4.82% | 0.00% |
| Non-Performing Asset Ratio | 3.84% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 1.15% |
| ACL / Loans | 1.27% | 1.94% |
Balance sheet
| Metric | First Federal Savings and Loan Association of Bath | Hatch Bank |
|---|---|---|
| Total Assets | $186,788K | $186,754K |
| Total Deposits | $143,425K | $57,074K |
| Total Loans | $148,807K | $120,249K |
| Total Equity | $28,553K | $39,083K |
| Net Income (quarter) | $259 | $2,199K |
Liquidity & funding
| Metric | First Federal Savings and Loan Association of Bath | Hatch Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 103.75% | 210.69% |
| Core Deposit Ratio | 95.99% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings and Loan Association of Bath | Hatch Bank |
|---|---|---|
| Headquarters City | BATH | SAN MARCOS |
| Headquarters State | ME | CA |
| Asset Tier | Small | Small |
| Charter Class | 703786 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 37 | 26 |
| Established | Jan. 1, 1935, midnight | Jan. 2, 1982, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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