Bath Savings Institution vs Aroostook County Fs&La
Side-by-side bank health comparison using FDIC financial data
Bath Savings Institution (A) and Aroostook County Fs&La (A) are close on the BankHealth rubric. Asset bases: $1.4B versus $190M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Bath Savings Institution has a stronger Bank Health Score of 96/100 (A) compared to Aroostook County Fs&La at 91/100 (A), a difference of 5 points. Bath Savings Institution holds a Tier 1 capital ratio of 15.2% and an NPL ratio of 0.03%.
| Metric | Bath Savings Institution | Aroostook County Fs&La |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 96/100 (A)* | 91/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 15.2% | 17.5%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 36.3%* | 28.4% |
| Return on Assets Profitability metric (above 1% is strong) | 1.1%* | 0.4% |
| Total Assets | $1.4B | $190M |
| Total Deposits | $1.1B | $166M |
| Location | Bath, Maine | Caribou, Maine |
Bath Savings Institution has a stronger Bank Health Score of 96/100 (A) compared to Aroostook County Fs&La at 91/100 (A), a difference of 5 points. Bath Savings Institution holds a Tier 1 capital ratio of 15.2% and an NPL ratio of 0.03%.