🏦Bank Scorer

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH

BATH, ME · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1935FDIC #29,636
Outstanding Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.56%

Institution Profile

FDIC BankFind

Address

125 Front St, BATH, ME

County

Sagadahoc County

Established

January 1, 1935

Total Assets

$187M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 9, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$187M

Total Deposits

$143M

Net Loans

$147M

Net Income

$259K

ROA

0.56%

ROE

3.64%

Risk-Based Capital

27.20%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.50%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$140M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410984.4%5.50%
202313383.46%2.26%
202217585.14%2.29%
202115581.94%5.81%
202013881.88%2.90%
201918080.56%6.67%
201816485.37%4.27%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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