First Fs&la of Bath
Bath, Maine · FDIC Cert #29636
This is the FDIC profile for First Fs&la of Bath, an FDIC-insured bank (Certificate #29636) with $180M in total assets and $137M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Bath, Maine, the bank maintains a Tier 1 capital ratio of 25.60% (Well-Capitalized) and a nonperforming loan ratio of 1.97%. BankHealthData assigns a composite Health Grade of B (67/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Fs&la of Bath (FDIC cert 29636) is a community bank — $180M in total assets, $137M in deposits, serving the Bath, Maine area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 25.60% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.97% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 15.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.31% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First Fs&la of Bath carries a composite BankHealth grade of B (67/100) 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: First Fs&la of Bath
- Total Assets
- $180M
- Total Deposits
- $137M
- Tier 1 Capital Ratio
- 25.60%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.97%
- Liquidity Ratio
- 15.55%
- Return on Assets
- 0.31%
- Headquarters
- Bath, Maine
- FDIC Certificate
- #29636
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
First Fs&la of Bath files quarterly Call Reports with the FDIC under Certificate #29636. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, First Fs&la of Bath holds a Tier 1 capital ratio of 25.60%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Fs&la of Bath has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Fs&la of Bath shows strong financial health indicators. With $180M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 First Fs&la of Bath Compares
First Fs&la of Bath’s Health Score of 67 is 6 points below the Maine state average of 73 across 20 FDIC-insured banks. Its 25.60% Tier 1 capital ratio is 11.6 points above the US banking industry average near 14%. The 1.97% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.31% is below the national ROA benchmark of ~1.1%. Among 1483 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, First Fs&la of Bath is 13 points below the portfolio average of 80.
Frequently Asked Questions
First Fs&la of Bath has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 25.60%, which is above 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. First Fs&la of Bath's Tier 1 capital ratio of 25.60% and nonperforming loan ratio of 1.97% indicate a low 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 First Fs&la of Bath is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29636). 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.
First Fs&la of Bath holds $180M in total assets and $137M in total deposits. It is headquartered in Bath, Maine (FDIC Certificate #29636).
First Fs&la of Bath's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #29636 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
First Fs&la of Bath has a Tier 1 capital ratio of 25.60%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.97%, and the return on assets is 0.31%.
Yes. First Fs&la of Bath is FDIC-insured (Certificate #29636). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Fs&la of Bath's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.