First Federal Savings and Loan Association of Bath
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Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Association of Bath is an FDIC-insured savings institution headquartered in Bath, ME, supervised by the OCC, with $189.1M in total assets at Q2 2026, up 1.9% from Q2 2025, the 19th largest of 22 banks headquartered in Maine. It was established in 1935 and holds FDIC certificate 29636. Its CET1 capital ratio was 25.94% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29636
- Headquarters
- Bath, ME
- Established
- 1935
- Total assets, Q2 2026
- $189.1M
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 25.94%
- Domestic offices
- 5 · First Federal Savings and Loan Association of Bath branches FDIC institution directory, current count
- Routing number
- 211273765
- Safety and soundness
- Is First Federal Savings and Loan Association of Bath safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings and Loan Association of Bath Q3 2026 call report, filed October 20, 2026 (preliminary)
- Asset rank in state
- 19th of 22 in Maine
Problem loans are rising at First Federal Savings and Loan Association of Bath. The Bath, Maine bank had $189 million in assets at June 30, 2026, up 1.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.89% of loans from 2.11% a year earlier. It earns about $0.43 a year on every $100 of assets, about a third the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $203,000, 33% above the same quarter a year earlier. Credit is the area to watch: it carries problem assets equal to 14.0% of the capital and reserves that would absorb them, 5.3 times the median of 2.7% for banks its size.
As of June 30, 2026, First Federal Savings and Loan Association of Bath reported a CET1 capital ratio of 25.94%, a return on assets of 0.43%, a nonperforming-loan ratio of 2.89% and a Texas ratio of 14.03%. The figures come from its call report filed with the FFIEC.
First Federal Savings and Loan Association of Bath ranks as the 19th largest of the 22 banks based in Maine, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.2% to $189.1M, loans fell 0.2% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 89.7% of total loans, followed by owner-occupied commercial real estate loans at 5.0%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in ME; its Bath 2 offices book 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Federal Savings and Loan Association of Bath meets every capital ratio test for well capitalized.
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
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1935
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $144.4M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $33K
- Average total assets
- $187.8M
- Average total loans
- $148.6M
- Average interest-bearing deposits
- $124.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29636
- Fed RSSD
- 583071
- Website
- www.ffs.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
First Federal Savings and Loan Association of Bath's total assets moved between a low of $178.2M (Q1 2024) and a high of $189.1M (Q2 2026) from Q3 2023 to 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
$189.1M total assets against $185.6M; $160.4M total liabilities against $157.9M.
$146.6M net loans and leases against $145.0M; $144.4M total deposits against $139.7M.
$14.2M securities against $13.4M; $10.4M cash and balances due against $10.7M.
$2.2M total interest income against $2.1M; $501K total interest expense against $589K.
$1.7M net interest income against $1.5M.
$209K total noninterest income against $200K; $1.6M total noninterest expense against $1.5M.
$0 provision for credit losses against $0.
$203K net income against $153K.
0.43% return on assets against 0.33%; 4.03% net interest margin against 3.57%.
25.94% CET1 capital ratio against 25.91%; 14.79% tier 1 leverage ratio against 14.49%.
Inside the full First Federal Savings and Loan Association of Bath terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Federal Savings and Loan Association of Bath rankings
Its closest position to the top of a national ranking is 135 of 2,134, for CET1 ratio; its furthest is 3,402 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.14% (Q1 2025) to 0.55% (Q1 2026) and its net interest margin ran from 3.42% (Q1 2025) to 4.09% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.94% | 0.43% | 2.89% | 14.03% | 4.03% |
| Q1 2026 | 25.94% | 0.55% | 2.49% | 12.16% | 4.09% |
| Q4 2025 | 25.63% | 0.20% | 2.31% | 11.35% | 3.93% |
| Q3 2025 | 25.89% | 0.51% | 2.30% | 11.41% | 3.78% |
| Q2 2025 | 25.91% | 0.33% | 2.11% | 10.48% | 3.57% |
| Q1 2025 | 25.88% | 0.14% | 2.22% | 10.93% | 3.42% |
| Q4 2024 | 25.49% | 0.49% | 2.00% | 9.79% | 3.43% |
| Q3 2024 | 25.76% | 0.51% | 2.05% | 10.05% | 3.72% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| First Federal Savings and Loan Association of Bath (main office) | Bath , ME | 04530 | $60.5M |
| 41 Townsend Avenue Branch | Boothbay Harbor , ME | 04538 | $33.4M |
| 238 Main Street Branch | Damariscotta , ME | 04543 | $22.0M |
| 45 Congress Ave. Branch | Bath , ME | 04530 | $19.9M |
| 695 Bath Road-Branch | Wiscasset , ME | 04578 | $8.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in ME, rank 24 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 122 applications, 104 loans originated, $23.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $127K approved, $127K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 First Federal Savings and Loan Association of Bath
What are First Federal Savings and Loan Association of Bath's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association of Bath reported total assets of $189.1 million in its FFIEC call report.
Where is First Federal Savings and Loan Association of Bath headquartered?
It is headquartered in Bath, ME, United States.
When was First Federal Savings and Loan Association of Bath founded?
It was established in 1935, per the FDIC institution directory.
Is First Federal Savings and Loan Association of Bath FDIC-insured?
Yes. It is an FDIC-insured savings institution (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.
What is First Federal Savings and Loan Association of Bath's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Savings and Loan Association of Bath operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Savings and Loan Association of Bath's Texas Ratio?
Its Texas Ratio is 14.03% 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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