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First Federal Savings and Loan Association of Bath

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

Designations: ✓ Mutual

Bath, ME

5 branches across ME

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 6 in ME.
  • Deposits +3.4% year over year ($144.4M on the books).
  • Delinquency rate 2.92%.
  • Return on assets 0.49%.
  • Efficiency ratio 84.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 6 in ME
View $100M-$1B leaderboard (ME) →

First Federal Savings and Loan Association of Bath has 1 strength but faces 7 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 0.06% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.4% in tier
  • - Flatlined Growth: Bottom 21.7% in tier
  • - Liquidity Strain: Bottom 38.2% in tier
  • - Credit Risk Growth: Bottom 42.7% in tier
  • - Efficiency Ratio 20.14% above tier average
  • - Nonperforming Asset Ratio 1.60% above tier average
  • - ROA 0.83% below tier average
Get updates when First Federal Savings and Loan Association of Bath releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Total Assets ? $189.1M
+1.9% YoY +1.2% QoQ
-$197.5M $386.6M
+1.2% YoY
$2.2B
+6.4% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $146.6M
+1.2% YoY -0.2% QoQ
-$111.7M $258.3M
+1.7% YoY
$1.7B
+7.1% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $144.4M
+3.4% YoY +0.7% QoQ
-$182.4M $326.7M
+0.7% YoY
$1.7B
+2.6% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 0.49%
+110.1% YoY -11.2% QoQ
-0.83% 1.32%
+10.8% YoY
0.97%
+42.0% YoY
1.30%
+12.1% YoY
Bottom 12.0% in tier
Net Interest Margin ? 4.04%
+15.3% YoY -1.3% QoQ
+0.06% 3.99%
+5.0% YoY
3.45%
+9.6% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 84.62%
-7.6% YoY +2.1% QoQ
+20.14% 64.48%
-3.2% YoY
70.51%
-8.6% YoY
70.05%
+2.5% YoY
Bottom 9.4% in tier
Delinquency Rate ? 2.92%
+36.6% YoY +16.0% QoQ
+2.00% 0.92%
+15.7% YoY
0.57%
+7.0% YoY
0.98%
+16.3% YoY
Bottom 6.5% in tier
Loan-to-Deposit Ratio ? 101.58%
-2.1% YoY -0.8% QoQ
+23.63% 77.95%
+1.0% YoY
101.71%
+3.8% YoY
79.03%
+2.3% YoY
Bottom 8.2% in tier
Non-Interest-Bearing Deposit Share ? 10.04%
+10.0% YoY +7.0% QoQ
-11.99% 22.03%
-0.6% YoY
16.78%
+2.2% YoY
21.98%
-0.6% YoY
Bottom 10.7% in tier
Nonperforming Asset Ratio ? 2.27%
+35.6% YoY +14.3% QoQ
+1.60% 0.67%
+16.4% YoY
0.49%
+14.6% YoY
0.69%
+15.8% YoY
Bottom 5.7% in tier
Tier 1 Capital Ratio ? 25.94%
+0.1% YoY -0.0% QoQ
+10.03% 15.91%
+1.4% YoY
14.51%
+1.8% YoY
17.09%
+0.8% YoY
Top 6.1% in tier
Non-Interest Income / Assets ? 0.21%
+6.9% YoY +105.2% QoQ
-0.35% 0.57%
+7.6% YoY
0.26%
-0.2% YoY
0.66%
+5.2% YoY
54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Noninterest-Bearing 10.0%
+0.9pp YoY
+0.7pp QoQ
 -12.1pp 22.1% 16.8% 22.2% 10%
Brokered Deposits 2.6%
+1.2pp QoQ
 -5.3pp 7.9% 12.9% 8.5% 35%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
C&I 0.9%
-0.3pp YoY
-0.1pp QoQ
 -10.7pp 11.6% 8.7% 12.5% 3%
CRE 8.8%
+0.1pp YoY
-0.4pp QoQ
 -30.7pp 39.5% 38.6% 41.4% 4%
1-4 Family 90.8%
+0.5pp YoY
+0.6pp QoQ
 +58.2pp 32.6% 49.6% 31.3% 98%
Consumer 0.8%
-0.3pp YoY
-0.1pp QoQ
 -3.3pp 4.1% 1.9% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
CET1 Ratio 25.9%
0.0pp YoY
0.0pp QoQ
 +7.1pp 18.8% 15.4% 19.7% 90%
Leverage Ratio 14.8%
+0.3pp YoY
+0.1pp QoQ
 +2.6pp 12.2% 11.6% 12.6% 86%
Total Capital Ratio 27.2%
0.0pp YoY
0.0pp QoQ
 +7.3pp 19.9% 16.4% 20.8% 90%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Full-Time Employees 38
0 YoY
+1 (+2.7%) QoQ
 -21 58 259 482 39%
Assets per Employee ($) $5.0M
+1.9% YoY
-1.4% QoQ
 -$2.5M $7.5M $8.5M $8.8M 14%
Branch Count 5
0 YoY
0 QoQ
 0 4 18 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 2.9%
+0.8pp YoY
+0.4pp QoQ
 +2.0pp 0.9% 0.6% 1.0% 94%
Allowance Coverage 0.43x
-31.3% YoY
-15.2% QoQ
 -23.72x 24.15x 7.67x 20.23x 7%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
ROE 3.2%
+1.7pp YoY
-0.4pp QoQ
 -9.0pp 12.2% 8.8% 11.6% 9%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 2.0% 1.7% 20%
Net Income ($, YTD) $462,000
+112.9% YoY
— QoQ
 -$2.1M $2.6M $12.8M $40.4M 10%

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
#41 of 742 • Bottom 5.4% 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: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 101.58%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#116 of 529 • Bottom 21.7% 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: 0.49%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#265 of 691 • Bottom 38.2% 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: 101.58%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#401 of 936 • Bottom 42.7% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

163
Tier 1 Capital Ratio
capital
Value: 25.94%
Peer Median: 15.91%
#163 of 2643 Top 6.1% in $100M-$1B

Top Weaknesses (8 metrics)

2494
Nonperforming Asset Ratio
credit_quality
Value: 2.27%
Peer Median: 0.67%
#2494 of 2643 Bottom 5.7% in $100M-$1B
2464
Delinquency Rate
credit_quality
Value: 2.92%
Peer Median: 0.92%
#2464 of 2633 Bottom 6.5% in $100M-$1B
2427
Loan-to-Deposit Ratio
liquidity
Value: 101.58%
Peer Median: 77.95%
#2427 of 2643 Bottom 8.2% in $100M-$1B
2396
Efficiency Ratio
profitability
Value: 84.62%
Peer Median: 64.48%
#2396 of 2643 Bottom 9.4% in $100M-$1B
2362
Non-Interest-Bearing Deposit Share
funding
Value: 10.04%
Peer Median: 22.03%
#2362 of 2643 Bottom 10.7% in $100M-$1B
2328
Return on Assets
profitability
Value: 0.49%
Peer Median: 1.32%
#2328 of 2643 Bottom 12.0% in $100M-$1B
2126
Total Deposits
size
Value: $144.36M
Peer Median: $326.73M
#2126 of 2643 Bottom 19.6% in $100M-$1B
2018
Total Assets
size
Value: $189.10M
Peer Median: $386.57M
#2018 of 2643 Bottom 23.7% in $100M-$1B
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