First Federal Savings and Loan Association of Bath
First Federal Savings and Loan Association of Bath is a locally rooted FDIC-insured community bank based in Bath, ME. First Federal Savings and Loan Association of Bath's Q1 2026 balance sheet shows $187M in assets funded primarily by $143M in customer deposits. Returns are subdued: 0.55% ROA and 3.64% ROE. Regulatory capital is solid — 25.94% CET1 and 27.20% total risk-based capital ratio. Asset quality is impaired, with nonperforming loans at 4.82%. 5 branches make up the footprint.
Headquarters Profile
- Address
- 125 Front St, BATH, ME 04530
- County
- Sagadahoc
- Metro Area
- PORTLAND-SOUTH PORTLAND, ME
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- Fed District
- 2
- Established
- January 1, 1935
- Branches
- 5 domestic
- Employees (FTE)
- 37
- FDIC Cert
- 29636
- Fed RSSD
- 583071
- Website
- www.firstfederalbath.com →
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%.
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 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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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 Q1 2026 filing, First Federal Savings and Loan Association of Bath reported total assets of $186.8 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 25.94% 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 23.55% — 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.
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