First Federal Savings and Loan Association of Bath
Bath, ME · Cert 29636 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
State savings bank · OCC · 5 branches
Q2 2026
$189.1MAssets
$148.5MLoans
$144.4MDeposits
$28.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of banks under $1B in assets operating in a single state (rank 63 of 752).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets operating in a single state (rank 709 of 748).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.49%
Rank 639 of 752
Net Interest Margin
3.64%
Rank 394 of 752
Efficiency Ratio
84.62%
Rank 664 of 752
Equity / Assets
15.18%
Rank 98 of 752
Non-interest income vs. expense
Unfavorable gap of $5.7M · efficiency ratio beats 12% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.72% | 1.07% | 1.45% | Beats 15% | 639 / 752 | |
| Return on Equity | 3.22% | 6.78% | 10.58% | 13.65% | Beats 12% | 663 / 752 | |
| Net Interest Margin | 3.64% | 3.18% | 3.69% | 4.17% | Beats 48% | 394 / 752 | |
| Efficiency Ratio | 84.62% | 55.75% | 64.49% | 75.47% | Beats 12% | 664 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.89% | 0.09% | 0.42% | 1.03% | Beats 5% | 709 / 748 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 39% | 461 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 25.94% | 11.55% | 13.75% | 17.60% | Beats 92% | 63 / 752 | |
| Total Risk-Based Capital Ratio | 27.19% | 11.70% | 14.33% | 18.47% | Beats 92% | 60 / 752 | |
| Equity / Assets | 15.18% | 8.93% | 10.56% | 13.13% | Beats 87% | 98 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 102.86% | 62.23% | 78.64% | 91.26% | 93rd pctl | 56 / 752 | |
| Loans / Assets | 78.53% | 54.61% | 67.41% | 76.47% | 80th pctl | 152 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |