Side-by-side · Q2 2026 data
Saco & Biddeford Savings Institution vs Bath Savings Institution
Metric by metric
| Measure | Saco & Biddeford Savings Institution | Bath Savings Institution |
|---|---|---|
| TellerScore | 61 | 82 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 95 | 98 (stronger) |
| Earnings | 30 | 50 (stronger) |
| Funding & liquidity | 41 | 49 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 24th | 93rd |
| Total assets | $1.5B | $1.5B |
| Deposits / shares | $1.0B | $1.2B |
| Capital ratio | 10.02% | 15.76% (stronger) |
| Problem loans | 0.14% | 0.05% (stronger) |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 0.24% | 0.74% (stronger) |
| Loans ÷ deposits | 118.7% | 75.4% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 47.4% |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | 15.8% |
Bath Savings Institution has the higher TellerScore (82 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Saco & Biddeford Savings Institution leads on 1 and Bath Savings Institution on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.