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Bath Savings Institution
Bath, ME · FDIC Certificate #17749 · Chartered 04/1
Total assets
$1.50B
Total deposits
$1.15B
Total equity
$220.76M
Net loans
$870.51M
Branches (offices)
12
Net income (YTD)
$5.56M
Rank: #739 of 4,213 U.S. banks by assets · #12 of 22 in Maine. Assets changed 3.8% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 5.11% |
| Net interest margin (YTD) | 3.09% |
| Equity to assets | 14.69% |
| Tier 1 leverage ratio | 15.76% |
| Uninsured deposits (share of deposits) | 47.4% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 75.4% |
| Real estate loans (share of loans) | 91.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $798.70M | 91.7% | |
| Commercial & industrial | $65.03M | 7.5% | |
| Consumer / individual | $10.79M | 1.2% | |
| Construction & development | $46.83M | 5.4% | |
| Agricultural | $2.17M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.23B | $1.03B | -$957.00K | $152.38M |
| Jun 2023 | $1.32B | $1.03B | $8.62M | $161.41M |
| Jun 2024 | $1.40B | $1.10B | $6.70M | $177.80M |
| Jun 2025 | $1.45B | $1.13B | $6.29M | $203.60M |
| Jun 2026 | $1.50B | $1.15B | $5.56M | $220.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maine | $1.15B | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.15B.
Similar-sized banks
Bank Of Utica ($1.51B) · Peoples State Bank ($1.50B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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