Bath Savings Institution
Bath, Maine · FDIC Cert #17749
Bath Savings Institution is an FDIC-insured bank (Certificate #17749) with $1.4B in total assets and $1.1B in total deposits as of the Q2 2024 Call Report. Headquartered in Bath, Maine, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.03%. BankHealthData assigns a composite Health Grade of C (61/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bath Savings Institution (FDIC cert 17749) is a mid-sized bank with $1.4B in total assets and $1.1B in deposits, based in Bath, Maine. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.03% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 36.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.12% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Bath Savings Institution carries a composite BankHealth grade of C (61/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bath Savings Institution
- Total Assets
- $1.4B
- Total Deposits
- $1.1B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.03%
- Liquidity Ratio
- 36.25%
- Return on Assets
- 1.12%
- Headquarters
- Bath, Maine
- FDIC Certificate
- #17749
- Health Grade
- C (61/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bath Savings Institution holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Bath Savings Institution to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Bath Savings Institution shows average financial health. While not alarming, its Health Score of 61/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bath Savings Institution Compares
Bath Savings Institution’s Health Score of 61 is 3 points below the Maine state average of 64 across 20 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.03% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.12% is in line with or above the national ROA benchmark of ~1.1%. Among 815 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Bath Savings Institution is 9 points below the portfolio average of 70.
Frequently Asked Questions
Bath Savings Institution has a Bank Health Score of C (61/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bath Savings Institution's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.03% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bath Savings Institution is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17749). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bath Savings Institution holds $1.4B in total assets and $1.1B in total deposits. It is headquartered in Bath, Maine (FDIC Certificate #17749).
Bath Savings Institution has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.03%, and the return on assets is 1.12%.
Yes. Bath Savings Institution is FDIC-insured (Certificate #17749). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bath Savings Institution's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.