Side-by-side · Q2 2026 data
First National Bank vs Bath Savings Institution
Metric by metric
| Measure | First National Bank | Bath Savings Institution |
|---|---|---|
| TellerScore | 64 | 82 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 75 | 98 (stronger) |
| Earnings | 69 (stronger) | 50 |
| Funding & liquidity | 68 (stronger) | 49 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 33rd | 93rd |
| Total assets | $3.2B | $1.5B |
| Deposits / shares | $2.7B | $1.2B |
| Capital ratio | 9.20% | 15.76% (stronger) |
| Problem loans | 0.75% | 0.05% (stronger) |
| Net charge-offs | 0.20% | -0.03% (stronger) |
| Return on assets | 1.22% (stronger) | 0.74% |
| Loans ÷ deposits | 89.5% | 75.4% (stronger) |
| Uninsured deposits | 17.2% (stronger) | 47.4% |
| Offices | 18 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 15.8% |
Bath Savings Institution has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 2 and Bath Savings Institution on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Boothbay Harbor, ME
- Damariscotta, ME