BlastPoint's Banking Scorecard

First Federal Savings and Loan Association of Bath

$100M-$1B Specialty: Mortgage ME FDIC cert 29636

Designations: ✓ Mutual

Bath, ME

5 branches across ME

2664 banks in the $100M-$1B peer group nationally 6 in ME

First Federal Savings and Loan Association of Bath has 1 strength but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.17% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 5.0% in tier
- Flatlined Growth: Bottom 12.7% in tier
- Credit Risk Growth: Bottom 17.2% in tier
- Liquidity Strain: Bottom 49.9% in tier
- Non-Interest-Bearing Deposit Share 12.64% below tier average
- Nonperforming Asset Ratio 1.34% above tier average
- ROA 0.71% below tier average
- Efficiency Ratio 17.59% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Total Assets ?	$186.8M +0.1% YoY +0.2% QoQ	-$199.3M	$386.1M +0.5% YoY	$2.2B +5.5% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$146.9M +3.0% YoY +0.2% QoQ	-$108.8M	$255.7M +1.1% YoY	$1.7B +6.5% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$143.4M -0.3% YoY +2.6% QoQ	-$184.5M	$328.0M +0.1% YoY	$1.7B +2.2% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	0.56% +300.5% YoY +88.7% QoQ	-0.71%	1.27% +12.9% YoY	0.81% +48.6% YoY	1.23% +13.4% YoY	Bottom 14.6% in tier
Net Interest Margin ?	4.10% +19.7% YoY +11.7% QoQ	+0.17%	3.93% +6.0% YoY	3.42% +9.8% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	82.87% -12.4% YoY -7.4% QoQ	+17.59%	65.29% -4.5% YoY	70.43% -11.2% YoY	66.95% -4.1% YoY	Bottom 12.3% in tier
Delinquency Rate ?	2.52% +11.8% YoY +7.6% QoQ	+1.63%	0.89% +18.8% YoY	0.56% +20.7% YoY	0.95% +18.8% YoY	Bottom 8.1% in tier
Loan-to-Deposit Ratio ?	102.44% +3.3% YoY -2.4% QoQ	+25.80%	76.64% +0.8% YoY	100.20% +2.7% YoY	76.70% +0.9% YoY	Bottom 6.4% in tier
Non-Interest-Bearing Deposit Share ?	9.38% +4.9% YoY -1.3% QoQ	-12.64%	22.02% -1.0% YoY	16.54% +3.4% YoY	22.01% -1.2% YoY	Bottom 9.6% in tier
Nonperforming Asset Ratio ?	1.98% +14.9% YoY +7.6% QoQ	+1.34%	0.64% +19.7% YoY	0.47% +26.7% YoY	0.67% +19.3% YoY	Bottom 6.9% in tier
Tier 1 Capital Ratio ?	25.94% +0.2% YoY +1.2% QoQ	+10.11%	15.83% +1.5% YoY	14.56% +2.5% YoY	17.06% +0.8% YoY	Top 5.7% in tier
Non-Interest Income / Assets ?	0.10% +13.9% YoY -75.0% QoQ	-0.18%	0.28% +9.3% YoY	0.13% +1.6% YoY	0.32% +4.1% YoY	54%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Overhang

risk

#38 of 739 • Bottom 5.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 25.94%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 102.44%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#66 of 512 • Bottom 12.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.56%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#168 of 973 • Bottom 17.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#322 of 643 • Bottom 49.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 102.44%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

153

Tier 1 Capital Ratio

capital

Value: 25.94%

Peer Median: 15.83%

#153 of 2664 Top 5.7% in $100M-$1B

Top Weaknesses (8 metrics)

2494

Loan-to-Deposit Ratio

liquidity

Value: 102.44%

Peer Median: 76.64%

#2494 of 2664 Bottom 6.4% in $100M-$1B

2480

Nonperforming Asset Ratio

credit_quality

Value: 1.98%

Peer Median: 0.64%

#2480 of 2664 Bottom 6.9% in $100M-$1B

2441

Delinquency Rate

credit_quality

Value: 2.52%

Peer Median: 0.89%

#2441 of 2654 Bottom 8.1% in $100M-$1B

2408

Non-Interest-Bearing Deposit Share

funding

Value: 9.38%

Peer Median: 22.02%

#2408 of 2664 Bottom 9.6% in $100M-$1B

2338

Efficiency Ratio

profitability

Value: 82.87%

Peer Median: 65.29%

#2338 of 2664 Bottom 12.3% in $100M-$1B

2275

Return on Assets

profitability

Value: 0.56%

Peer Median: 1.27%

#2275 of 2664 Bottom 14.6% in $100M-$1B

2152

Total Deposits

size

Value: $143.43M

Peer Median: $327.97M

#2152 of 2664 Bottom 19.3% in $100M-$1B

2045

Total Assets

size

Value: $186.79M

Peer Median: $386.08M

#2045 of 2664 Bottom 23.3% in $100M-$1B