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=743-746)
State savings bank · OCC · 5 branches
Q2 2026
$189.1MAssets
$148.5MLoans
$144.4MDeposits
$28.7MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 93% of banks under $1B in assets operating in a single state (rank 55 of 746).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets operating in a single state (rank 702 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.49%
Rank 635 of 746
Net Interest Margin
3.64%
Rank 385 of 746
Efficiency Ratio
84.62%
Rank 660 of 746
Equity / Assets
15.18%
Rank 92 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.72% | 1.06% | 1.45% | Beats 15% | 635 / 746 | | |
| Return on Equity | 3.22% | 6.74% | 10.51% | 13.63% | Beats 12% | 658 / 746 | | |
| Net Interest Margin | 3.64% | 3.17% | 3.68% | 4.16% | Beats 48% | 385 / 746 | | |
| Efficiency Ratio | 84.62% | 55.74% | 64.58% | 75.47% | Beats 12% | 660 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.89% | 0.09% | 0.42% | 1.07% | Beats 6% | 702 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 37% | 467 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 25.94% | 11.55% | 13.75% | 17.60% | Beats 92% | 58 / 746 | | |
| Total Risk-Based Capital Ratio | 27.19% | 11.71% | 14.33% | 18.43% | Beats 93% | 55 / 746 | | |
| Equity / Assets | 15.18% | 8.90% | 10.51% | 13.06% | Beats 88% | 92 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.86% | 61.31% | 78.27% | 90.78% | 93rd pctl | 54 / 746 | | |
| Loans / Assets | 78.53% | 53.60% | 66.97% | 76.08% | 81st pctl | 143 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |