TellerScore

First Federal Savings and Loan Association of Bath is a savings bank headquartered in Bath, Maine, in business for about 91 years. At the end of Q2 2026 it reported $189.1M in total assets and $144.4M in deposits, with 5 offices.

Based on its Q2 2026 filing, First Federal Savings and Loan Association of Bath scores 54/100, which we describe as below average. That is higher than only 10% of 2,650 banks with $100 million – $1 billion. Among 22 banks headquartered in Maine, it ranks 21st. Its strongest component is capital cushion (98/100; 14.79%), and its lowest is loan quality (4/100; 2.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Tier 1 leverage ratio: 14.79%
Loan quality4/100
Noncurrent loans ÷ total loans: 2.89%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 101.6% · 6.5% uninsured
Problem-loan coverage72/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (58 → 54), mostly because the loan quality component weakened by 26 points.

TellerScore
545861Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202461
Q1 202557
Q2 202558
Q3 202558
Q4 202557
Q1 202658
Q2 202654
Tier 1 leverage ratio
5.00%9.90%14.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.61%
Q3 202414.56%
Q4 202414.63%
Q1 202514.45%
Q2 202514.49%
Q3 202514.67%
Q4 202514.73%
Q1 202614.65%
Q2 202614.79%
Noncurrent loans
1.97%2.43%2.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.97%
Q3 20242.05%
Q4 20242.00%
Q1 20252.22%
Q2 20252.11%
Q3 20252.30%
Q4 20252.31%
Q1 20262.49%
Q2 20262.89%
Return on assets
0.14%0.35%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.25%
Q3 20240.34%
Q4 20240.38%
Q1 20250.14%
Q2 20250.23%
Q3 20250.33%
Q4 20250.29%
Q1 20260.56%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$189.1M14.79%2.89%0.49%101.6%
Q1 202658$186.8M14.65%2.49%0.56%102.4%
Q4 202557$186.5M14.73%2.31%0.29%105.0%
Q3 202558$186.4M14.67%2.30%0.33%100.8%
Q2 202558$185.6M14.49%2.11%0.23%103.8%
Q1 202557$186.5M14.45%2.22%0.14%99.2%
Q4 202461$182.9M14.63%2.00%0.38%99.9%
Q3 202461$181.6M14.56%2.05%0.34%97.9%
Q2 202461$180.3M14.61%1.97%0.25%99.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.79%
86th
Total risk-based capital27.19%
95th
Problem loans2.89%
6th
Net charge-offs0.04%
29th
Return on assets0.49%
12th
Net interest margin4.04%
56th
Efficiency ratio84.6%
9th
Loans to deposits101.6%
8th
Uninsured deposits6.5%
98th
Loan-loss reserves1.25%
56th
Texas ratio14.0%
11th

Similar-size banks in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Aroostook County Federal Savings and Loan AssociationBank Caribou, ME68 out of 100, Moderate$214.0M10.4%0.39%vs
Auburn Savings Bank, FSBBank Auburn, ME56 out of 100, Moderate$103.2M8.0%0.02%vs
Bar Harbor Savings and Loan AssociationBank Bar Harbor, ME48 out of 100, Below average$103.2M11.5%2.13%vs
Franklin Savings BankBank Farmington, ME72 out of 100, Strong$786.9M18.8%1.36%vs
Skowhegan Savings BankBank Skowhegan, ME88 out of 100, Very strong$855.0M15.8%0.42%vs

Deposit insurance

Is my money safe at First Federal Savings and Loan Association of Bath?

Yes. First Federal Savings and Loan Association of Bath is an FDIC-insured institution (FDIC certificate #29636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 6.5% of deposits ($9.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.19% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

First Federal Savings and Loan Association of Bath lists 5 offices in 4 cities. Most locations:

  • Bath, ME (2)
  • Boothbay Harbor, ME (1)
  • Damariscotta, ME (1)
  • Wiscasset, ME (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Federal Savings and Loan Association of Bath reported 121 home-loan applications under HMDA (LEI 2549002U96ZPEAFKGZ11): 104 originated ($23,550,000 total), 3 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Federal Savings and Loan Association of Bath
Former names
First Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
29636
RSSD ID
583071
Primary regulator
OCC
Established
January 1, 1935
Headquarters
125 Front St, Bath, ME 04530
Employees
38

Quick answers

First Federal Savings and Loan Association of Bath: common questions

Is First Federal Savings and Loan Association of Bath FDIC insured?

Yes. First Federal Savings and Loan Association of Bath is an FDIC-insured institution (FDIC certificate #29636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Savings and Loan Association of Bath's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Federal Savings and Loan Association of Bath ever failed?

There is no failure record for FDIC certificate #29636 in the FDIC failed bank list.

How many branches does First Federal Savings and Loan Association of Bath have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bath

InstitutionScoreAssetsCapitalProblem loansCompare
Gardiner Federal Credit UnionCredit union Gardiner, ME96 out of 100, Very strong$100.7M15.9%0.12%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs
Central Maine Federal Credit UnionCredit union Lewiston, ME81 out of 100, Strong$145.5M14.7%0.66%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs
Northeast BankBank Portland, ME78 out of 100, Strong$5.2B11.9%0.55%vs