BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Bath
Micro
Specialty: Mortgage
ME
FDIC cert 29636
Designations: ✓ Community bank ✓ Mutual
Bath, ME
2498
banks in Micro tier nationally
5 in ME
View Micro leaderboard (ME) →
First Federal Savings and Loan Association of Bath has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.43% above tier
- + Tier 1 Capital Ratio 16.91% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.39% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$186.0M
+1.7% YoY
-0.2% QoQ
|
-$31.5M |
$217.5M
+2.3% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$146.7M
+3.7% YoY
+0.2% QoQ
|
+$7.5M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$139.7M
-1.2% YoY
-3.8% QoQ
|
-$43.9M |
$183.7M
+1.8% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.36%
-4.3% YoY
+10.1% QoQ
|
-0.72% |
1.08%
+14.7% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.67%
+4.4% YoY
+2.3% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
87.78%
-0.9% YoY
-0.9% QoQ
|
+20.06% |
67.73%
-4.8% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
2.34%
+15.4% YoY
+0.6% QoQ
|
+1.70% |
0.64%
+24.4% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
104.96%
+5.1% YoY
+4.2% QoQ
|
+30.43% |
74.53%
+0.5% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.50%
+19.3% YoY
-0.0% QoQ
|
-12.89% |
22.39%
-1.3% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
1.85%
+17.7% YoY
+0.9% QoQ
|
+1.39% |
0.45%
+25.1% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
25.76%
+1.1% YoY
-0.5% QoQ
|
+16.91% |
8.85%
-3.4% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.42%
-0.1% YoY
+36.7% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
104.96%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.76%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.85%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 104.96% · Tier avg: 74.53%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.76% · Tier avg: 8.85%
59
59th pctile
Total Loans
Current: $146.7M · Tier avg: $139.2M
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
47
47th pctile
Total Assets
Current: $186.0M · Tier avg: $217.5M
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
42
42th pctile
Total Deposits
Current: $139.7M · Tier avg: $183.7M
14
14th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.08%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.50% · Tier avg: 22.39%
11
11th pctile
Efficiency Ratio
Current: 87.78% · Tier avg: 67.73%
10
10th pctile
Delinquency Rate
Current: 2.34% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.85% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.85% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.34% · Tier avg: 0.64%
11
11th pctile
Efficiency Ratio
Current: 87.78% · Tier avg: 67.73%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.50% · Tier avg: 22.39%
14
14th pctile
Return on Assets
Current: 0.36% · Tier avg: 1.08%
42
42th pctile
Total Deposits
Current: $139.7M · Tier avg: $183.7M
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
47
47th pctile
Total Assets
Current: $186.0M · Tier avg: $217.5M
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
59
59th pctile
Total Loans
Current: $146.7M · Tier avg: $139.2M
94
94th pctile
Tier 1 Capital Ratio
Current: 25.76% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 104.96% · Tier avg: 74.53%