First Federal Savings and Loan Association of Bath
Bath, ME
IDRSSD: 583071
Total Assets
$185.99M
Latest filing
Total Deposits
$139.74M
Latest filing
Net Interest Margin
3.91%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Savings and Loan Association of Bath
125 Front St
Bath, ME 04530
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1935FDIC Certificate 42470
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Savings and Loan Association of Bath (Main) | 125 Front St | Bath, ME |
| 41 TOWNSEND AVENUE BRANCH | 41 Townsend Ave | Boothbay Harbor, ME |
| 238 MAIN STREET BRANCH | 238 Main St | Damariscotta, ME |
| 45 CONGRESS AVE. BRANCH | 45 Congress Ave | Bath, ME |
| 695 BATH ROAD-BRANCH | 695 Bath Rd | Wiscasset, ME |
Showing 4 of 4
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 | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1935 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 04530 |
| State and County Number | 23023 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 38 |
| 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 | 36 |
| Domestic Offices | 5 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.firstfederalbath.com |
| Data Updated | 01/30/2026 |
| CERT | 29636 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $185.99M |
| Total Deposits | $139.74M |
| Total Liabilities | $157.89M |
| Total Equity Capital | $28.10M |
| Net Income | $213.00k |
| Net Loans and Leases | $146.67M |
| Assets Per Employee ($Millions) | $5.17M |
| Bank Premises and Fixed Assets | $4.50M |
| Cash and Balances due from Depository Institutions | $8.82M |
| Deposits Held in Domestic Offices | $139.74M |
Key Performance Ratios
| Return on Assets (ROA) | 0.46% |
| Return on Equity (ROE) | 3.04% |
| Net Interest Margin | 3.91% |
| Efficiency Ratio | 85.51% |
| Tier 1 Risk-Based Capital Ratio | 25.762% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.108% |
| Earning Assets to total Assets | 90.61% |
Income and Expense
| Total Interest Income | $2.19M |
| Total Noninterest Income | $207.00k |
| Total Interest Expense | $543.00k |
| Total Noninterest Expense | $1.59M |
| Net Interest Income | $1.65M |
| Pre-tax Net Operating Income | $279.00k |
| Provision for Credit Losses | $-10,000 |
| 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 | $16.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.15M |
| Total Liabilities and Capital | $185.99M |
Securities
| Securities | $14.14M |
| Available-for-sale debt securities | $14.14M |
| 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 First Federal Savings and Loan Association of Bath?
$185.99M as of the latest filing.
How much are First Federal Savings and Loan Association of Bath's total deposits?
$139.74M in total deposits.
Where is First Federal Savings and Loan Association of Bath located?
Bath, ME.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1935.
What is the Return on Assets (ROA)?
0.46%.
How much are total loans and leases?
$146.67M (latest filing).
What is the total interest income (latest filing)?
$2.19M.