First Federal Savings and Loan Association of Bath: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings and Loan Association of Bath of Bath, ME against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.43% | 1.35% | -0.92% | 11th bottom |
| ROAE | 2.84% | 13.33% | -10.49% | 9th bottom |
| Net Interest Margin | 4.03% | 3.93% | +0.10% | 55th above |
| Efficiency Ratio | 86.38% | 61.13% | +25.25% | 9th bottom |
| PPNR / Avg Assets | 0.55% | 1.68% | -1.13% | 9th bottom |
| Yield on Earning Assets | 5.23% | 5.67% | -0.44% | 32nd below |
| Cost of Funds | 1.32% | 1.88% | -0.56% | 79th top |
| Net Interest Spread | 3.83% | 3.32% | +0.51% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.01% | 0.94% | +4.07% | 2nd bottom |
| NPA / Total Assets | 3.93% | 0.70% | +3.23% | 2nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 55th above |
| ACL / NPLs (Coverage) | 24.85% | 1546.42% | -1521.57% | 2nd bottom |
| Texas Ratio | 24.35% | 7.33% | +17.02% | 5th bottom |
| Provision / NCO | 0.00% | 1395.25% | -1395.25% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.94% | 19.48% | +6.46% | 90th top |
| Tier 1 Ratio | 25.94% | 19.52% | +6.42% | 90th top |
| Total Capital Ratio | 27.19% | 20.60% | +6.59% | 90th top |
| Leverage Ratio | 14.79% | 12.14% | +2.65% | 86th top |
| Equity / Assets | 15.18% | 11.36% | +3.82% | 89th top |
| TCE / Tangible Assets | 15.18% | 11.08% | +4.10% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.86% | 80.66% | +22.20% | 8th bottom |
| Core Deposit Ratio | 93.52% | 86.85% | +6.67% | 77th top |
| Wholesale Funding Ratio | 7.14% | 5.03% | +2.11% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.90% | 6.84% | -4.94% | 32nd below |
| Loan Growth (Y/Y) | 1.08% | 7.92% | -6.84% | 27th below |
| Deposit Growth (Y/Y) | 3.36% | 6.29% | -2.93% | 45th below |
See First Federal Savings and Loan Association of Bath's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Savings and Loan Association of Bath, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Federal Savings and Loan Association of Bath profile, how to read a UBPR, or how this data updates.