FDIC Cert #17749 · Bath, Maine · Est. 1852

Bath Savings Institution - FDIC Bank Health Profile

A community-scale look at Bath Savings Institution's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.5B
Total assets
A
Health grade · Excellent
1.06%
Return on assets
15.4%
Tier 1 capital

Data updated July 2026

The verdict

Bath Savings Institution earns a PlainBankData health grade of A (88/100), with well-capitalized at 15.43% Tier 1, profitable at 1.06% ROA, 66% efficiency ratio.

#752
largest of 4,313 FDIC banks by assets
83rd
percentile by asset size, nationally
15.43%
Tier 1 ratio - above the 10% well-capitalized line
47th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 17749 · ME A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #883/4307
  • PHOTO-FINISH First National Bank,… · CO
  • TIER1-WELL 15.4% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-PAR 1.06% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maine: First National Bank, Cortez, CO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bath Savings Institution

Lowest and highest poles plus nearest scored peers outside Maine, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bath Savings Institu… · ME ·…88/100Central Bank · TX · near88/100First National Bank,… · CO ·…88/100First State Bank · TX · near88/100The National Bank of… · TX ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bath Savings Institution · July 2026

Plate reading for Bath Savings Institution where failures stay rare

Bath Savings Institution (FDIC Cert #17749) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #883 of 4,307. Tier 1 capital prints at 15.43%, clearing the 10% well-capitalized line. The Texas Ratio is 0.45%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.06%. Balance-sheet scale is $1.5B, 752nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank, Cortez (CO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bath Savings Institution

Zero FAILURE resolutions in Maine since 2000

Bath Savings Institution is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FSA LEWISTON, ME 1992 → KINGFIELD SB
  • MAINE SAVINGS BANK PORTLAND, ME 1991 → FLEET BANK OF MAINE
  • MAINE NATIONAL BANK PORTLAND, ME 1991 → NEW MAINE NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maine banks.

How Bath Savings Institution's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Bath Savings Institution's composite health score
Tier 1 Capital Ratio (15.43%) 40/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (0.45%) 20/20
Efficiency Ratio (65.76%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.5B

Total balance-sheet footings

Total Deposits

$1.2B

Customer-funded liabilities

Net Loans

$842M

Outstanding loan book

Net Income

$15M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.03% 15.43% 16.83%
Basel III capital ratios - Bath Savings Institution

Where Bath Savings Institution ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bath Savings Institution's score of 88/100 falls in the highlighted band.

Bath Savings Institution: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 21% higher than 79% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bath Savings Institution 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bath Savings Institution's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bath Savings Institution's $1.5B falls in the highlighted band.

Safety metrics: Bath Savings Institution

Tier 1 capital ratio
Well-capitalized 10%

15.43% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.43%
Texas Ratio
0.45%
Equity Capital
$216M

What these ratios mean →

Earnings posture at Bath Savings Institution

Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
7.52%
Efficiency Ratio
65.76%

What these mean →

Income & expense at Bath Savings Institution

$64M
Interest Income
$13M
Non-Interest Income
$34M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bath Savings Institution reports a Texas Ratio of 0.45% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.45% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bath Savings Institution on FDIC BankFind →

Top banks in Maine by total assets

Largest banks headquartered in Maine
  1. 1
    Bangor Savings Bank $7.4B

    Bangor, ME · Grade C

  2. 2
    The Camden National Bank $7.0B

    Camden, ME · Grade A

  3. 3
    Northeast Bank $4.9B

    Portland, ME · Grade A

  4. 4
    Bar Harbor Bank & Trust $4.7B

    Bar Harbor, ME · Grade A

  5. 5
    First National Bank $3.1B

    Damariscotta, ME · Grade A

Top 5 banks in Maine ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.5B here), outside Maine so the neighborhood is not state containment.

Main Street Bank Corp. $1.5B · OH First National Bank of Pulaski $1.5B · TN Union County Savings Bank $1.5B · NJ Central National Bank $1.5B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bath Savings Institution (FDIC Cert #17749) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bath Savings Institution Call Report profile · FDIC Failed Bank List · Maine FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maine

All Maine banks →
BankAssetsGradeROA
Bangor Savings BankBangor $7.4B C 0.39%
The Camden National BankCamden $7.0B A 1.03%
Northeast BankPortland $4.9B A 2.01%
Bar Harbor Bank & TrustBar Harbor $4.7B A 1.03%
First National BankDamariscotta $3.1B A 1.13%
Maine Community BankPortland $2.9B C 0.70%
Machias Savings BankMachias $2.7B B 0.89%
Norway Savings BankNorway $2.1B B 1.00%