Total Assets
$186M
Total balance-sheet footings
FDIC Cert #29636 · Bath, Maine · Est. 1935
First Federal Savings and Loan Association of Bath - FDIC Bank Health Profile
A community-scale look at First Federal Savings and Loan Association of Bath's own numbers, pulled straight from its quarterly FDIC Call Report.
- $186M
- Total assets
- C
- Health grade · Fair
- 0.29%
- Return on assets
- 25.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Savings and Loan Association of Bath earns a PlainBankData health grade of C (63/100), with well-capitalized at 25.63% Tier 1, 0.29% ROA, 90% efficiency ratio.
- #3,113
- largest of 4,313 FDIC banks by assets
- 28th
- percentile by asset size, nationally
- 25.63%
- Tier 1 ratio - above the 10% well-capitalized line
- 10th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Federal Savings and Loan Association of Bath's 63/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Federal Savings and Loan Association of Bath's composite health score
Tier 1 Capital Ratio (25.63%) 40/40
Return on Assets (ROA) (0.29%) 7/25
Texas Ratio (11.35%) 16/20
Efficiency Ratio (89.52%) 0/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$140M
Customer-funded liabilities
Net Loans
$147M
Outstanding loan book
Net Income
$546K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Savings and Loan Association of Bath ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings and Loan Association of Bath's score of 63/100 falls in the highlighted band.
First Federal Savings and Loan Association of Bath'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). First Federal Savings and Loan Association of Bath's $186M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
25.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
25.63%
Texas Ratio
11.35%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.29%
Return on Equity (ROE)
1.97%
Efficiency Ratio
89.52%
What the numbers say about First Federal Savings and Loan Association of Bath
First Federal Savings and Loan Association of Bath is an FDIC-insured institution (Certificate #29636) headquartered in Bath, Maine, established in 1935. It holds $186M in total assets - 3,113th of 4,313 FDIC-insured banks, $140M in customer deposits, and $147M in net loans. Its capital position: a Tier 1 ratio of 25.63%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.35% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (63 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Federal Savings and Loan Association of Bath sits 19th of 22 banks headquartered in Maine by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$8M
Interest Income
$775K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings and Loan Association of Bath reports a Texas Ratio of 11.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Maine by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings and Loan Association of Bath (FDIC Cert #29636) - 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.
Other banks in Maine
All Maine banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First Federal Savings and Loan Association of Bath's health grade?▼
First Federal Savings and Loan Association of Bath receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Federal Savings and Loan Association of Bath?▼
First Federal Savings and Loan Association of Bath holds $186M in total assets and $140M in deposits, ranking 3,113th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bath, Maine.
Is my money safe at First Federal Savings and Loan Association of Bath?▼
Yes, deposits at First Federal Savings and Loan Association of Bath (Certificate #29636) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Savings and Loan Association of Bath's Tier 1 Capital Ratio?▼
First Federal Savings and Loan Association of Bath has a Tier 1 Capital Ratio of 25.63%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Federal Savings and Loan Association of Bath?▼
First Federal Savings and Loan Association of Bath has a Texas Ratio of 11.35%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Federal Savings and Loan Association of Bath?▼
First Federal Savings and Loan Association of Bath has an Efficiency Ratio of 89.52%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Federal Savings and Loan Association of Bath's profile as a depositor or analyst.
- First Federal Savings and Loan Association of Bath's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Savings and Loan Association of Bath against other Maine banks before moving funds. Maine banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.