Bath Savings Institution vs Skowhegan Savings Bank
Side-by-side bank health comparison using FDIC financial data
Bath Savings Institution (A) and Skowhegan Savings Bank (A) are close on the BankHealth rubric. Asset bases: $1.4B versus $881M.
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 Skowhegan Savings Bank at 93/100 (A), a difference of 3 points. Bath Savings Institution holds a Tier 1 capital ratio of 15.2% and an NPL ratio of 0.03%.
| Metric | Bath Savings Institution | Skowhegan Savings Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 96/100 (A)* | 93/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 15.2% | 20.2%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.3% |
| Liquidity Ratio Cash and liquid assets vs obligations | 36.3%* | 28.2% |
| Return on Assets Profitability metric (above 1% is strong) | 1.1%* | 1.1% |
| Total Assets | $1.4B | $881M |
| Total Deposits | $1.1B | $709M |
| Location | Bath, Maine | Skowhegan, Maine |
Bath Savings Institution has a stronger Bank Health Score of 96/100 (A) compared to Skowhegan Savings Bank at 93/100 (A), a difference of 3 points. Bath Savings Institution holds a Tier 1 capital ratio of 15.2% and an NPL ratio of 0.03%.