Bath Savings Institution
Bath, ME
IDRSSD: 433505
Total Assets
$1.50B
Latest filing
Total Deposits
$1.16B
Latest filing
Net Interest Margin
2.97%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bath Savings Institution
105 Front St
Bath, ME 04530
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/19/1852FDIC Certificate 11704
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Bath Savings Institution (Main) | 105 Front St | Bath, ME |
| DAMARISCOTTA BRANCH | 8 Church St | Damariscotta, ME |
| BRUNSWICK BRANCH | 3 Pleasant St | Brunswick, ME |
| FALMOUTH BRANCH | 239 Us Route 1 | Falmouth, ME |
| FREEPORT BRANCH | 189 Lower Main St | Freeport, ME |
| OCEANVIEW RETIREMENT COM. BRANCH | 52 Falmouth Rd | Falmouth, ME |
| YARMOUTH BRANCH | 424 Us Route 1 | Yarmouth, ME |
| BOOTHBAY HARBOR | 1 Todd Ave | Boothbay Harbor, ME |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 04/19/1852 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 04530 |
| State and County Number | 23023 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Portland-South Portland, ME |
Operational Info
| Number of Employees | 174 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 04/18/1957 |
| Primary Insurance Agency | DIF |
| Website | www.bathsavings.bank |
| Data Updated | 01/30/2026 |
| CERT | 17749 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.50B |
| Total Deposits | $1.16B |
| Total Liabilities | $1.28B |
| Total Equity Capital | $216.37M |
| Net Income | $5.04M |
| Net Loans and Leases | $842.13M |
| Assets Per Employee ($Millions) | $8.46M |
| Bank Premises and Fixed Assets | $18.62M |
| Cash and Balances due from Depository Institutions | $39.13M |
| Deposits Held in Domestic Offices | $1.16B |
Key Performance Ratios
| Return on Assets (ROA) | 1.36% |
| Return on Equity (ROE) | 9.44% |
| Net Interest Margin | 2.97% |
| Efficiency Ratio | 56.15% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.446% |
| Earning Assets to total Assets | 93.55% |
Income and Expense
| Total Interest Income | $16.84M |
| Total Noninterest Income | $3.62M |
| Total Interest Expense | $6.52M |
| Total Noninterest Expense | $7.83M |
| Net Interest Income | $10.31M |
| Pre-tax Net Operating Income | $6.22M |
| Provision for Credit Losses | $-107,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $81.36M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $23.00M |
| All Other Liabilities | $15.14M |
| Total Liabilities and Capital | $1.50B |
Securities
| Securities | $531.56M |
| Available-for-sale debt securities | $489.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bath Savings Institution?
$1.50B as of the latest filing.
How much are Bath Savings Institution's total deposits?
$1.16B in total deposits.
Where is Bath Savings Institution located?
Bath, ME.
What is the Net Interest Margin?
2.97%.
How many domestic offices does it operate?
13.
When was it established?
04/19/1852.
What is the Return on Assets (ROA)?
1.36%.
How much are total loans and leases?
$842.13M (latest filing).
What is the total interest income (latest filing)?
$16.84M.