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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 29636 · ME C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3575/4307
  • PHOTO-FINISH First Mutual Bank, FSB · OH
  • TIER1-WELL 25.6% Tier 1
  • TEXAS-CLEAN 11.4% Texas
  • ROA-THIN 0.29% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maine: First Mutual Bank, FSB, OH (±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 First Federal Savings and Loan Associ…

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

Morgan Stanley Bank,… · UT ·…100/100Armstrong County Bui… · PA ·…63/100DeWitt Savings Bank · IL · n…63/100First Federal Saving… · ME ·…63/100First Mutual Bank, FSB · OH …63/100Home Federal Bank of… · TN ·…63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Federal Savings and Loan Associ… · July 2026

Plate reading for First Federal Savings and Loan Associ… where failures stay rare

First Federal Savings and Loan Association of Bath (FDIC Cert #29636) carries a PlainBankData health grade of C at 63/100, 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 #3,575 of 4,307. Tier 1 capital prints at 25.63%, clearing the 10% well-capitalized line. The Texas Ratio is 11.35%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.29%. Balance-sheet scale is $186M, 3,113th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Mutual Bank, FSB (OH), 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 First Federal Savings and Loan Associ…

Zero FAILURE resolutions in Maine since 2000

First Federal Savings and Loan Association of Bath 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 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.

0/100100/100National avg77/10063/100
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 Assets

$186M

Total balance-sheet footings

Total Deposits

$140M

Customer-funded liabilities

Net Loans

$147M

Outstanding loan book

Net Income

$546K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 24.23% 25.63% 27.03%
Basel III capital ratios - First Federal Savings and Loan Association of Bath

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Federal Savings and Loan Associ… 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

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: First Federal Savings and Loan Associ…

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

What these ratios mean →

Profitability metrics: First Federal Savings and Loan Associ…

Return on Assets (ROA)
10th percentile nationally
0.29%
Return on Equity (ROE)
1.97%
Efficiency Ratio
89.52%

What these mean →

Income & expense at First Federal Savings and Loan Associ…

$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.

FDIC Failed Bank List → View First Federal Savings and Loan Association of Bath 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 ($186M here), outside Maine so the neighborhood is not state containment.

Liberty Bank $186M · IL Mount Vernon Bank and Trust Company $186M · IA Bank of Commerce $186M · OK Valley Central Bank $187M · OH

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.

First Federal Savings and Loan Association of Bath 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%