Bath Savings Institution

105 Front Street
Bath, ME 04530

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17749
Date Established 1852
Assets $0.88 billion
Loans $0.59 billion
Deposits $0.69 billion
Capital $0.11 billion

Bath Savings Institution is an FDIC insured institution located in Bath, ME. It was founded in 1852 and has approximately $0.88 billion in assets. Customers can open an account at one of its 11 branches.

For a more detailed analysis of Bath Savings Institution's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bath Savings Institution’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Maine, Bath Savings Institution has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.72
Multifamily
Mortgages
4.66
Credit Card Loans 0.00
Consumer Auto Loans 0.21
Small Business Loans 8.75
Construction and Development Loans 5.96
Commercial Real Estate 28.07
Commercial and Industrial Loans 7.19
Farm Loans 0.85

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $500 - Learn MoreShow Less
6 Mo CD 10K
0.12% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.10% $5 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.15% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.10% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 4.06% 3.89% $736.88 Learn MoreShow Less
4 Year 4.17% 4.04% $564.92 Learn MoreShow Less
5 Year 4.29% 4.19% $462.56 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Bath Savings Institution branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bath Savings Institution Locations

Financial Details

Bath Savings Institution Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bath Savings Institution. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bath Savings Institution U.S. Bank Average
1.64% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bath Savings Institution had $1,854,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $106,052,000 in equity and $6,662,000 in loans loss reserves. That gives it a Texas Ratio of 1.64%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bath Savings Institution U.S. Bank Average
8.34% 8.58

Bath Savings Institution has a Return on Equity of 8.34% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bath Savings Institution U.S. Bank Average
12.02% 12.11

Bath Savings Institution has a Capitalization of 12.02% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bath Savings Institution Balance Sheet Analysis

As of June 30, 2017, Bath Savings Institution had assets of $882,103,000, loans of $589,917,000, and deposits of $690,608,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bath Savings Institution

Branches and Savings

Is Bath Savings Institution FDIC insured?

Yes. It is covered under FDIC Certificate #17749.

Why does Bath Savings Institution pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bath Savings Institution CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bath Savings Institution a commercial bank?

Yes

Where are Bath Savings Institution locations?

See branch locations nearby.

Is Bath Savings Institution open on Saturdays?

Is Bath Savings Institution open on Sundays?

What time does Bath Savings Institution open?

What time does Bath Savings Institution close?

Are Bath Savings Institution ATMs Open 24/7?

Do Bath Savings Institution ATMs accept cash deposits?

Can Bath Savings Institution customers use other ATMs?

Do Bath Savings Institution branches have notaries?

Will Bath Savings Institution notarize my document?

What address for Bath Savings Institution should I put for incoming ACH transfers?

Will the Bath Savings Institution branch print checks?

Do Bath Savings Institution checks expire?

Does Bath Savings Institution require US citizenship to open account?

Can Bath Savings Institution close my account?

Does Bath Savings Institution Report to credit bureaus?

Does Bath Savings Institution Use Equifax?

What is Bath Savings Institution's ACH Routing Number?

What is Bath Savings Institution's SWIFT code?

Products

Does Bath Savings Institution offer mortgages?

Compare mortgage rates here.

Does Bath Savings Institution offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bath Savings Institution offer personal loans?

Compare personal loan rates here.

Does Bath Savings Institution offer student loans?

Will Bath Savings Institution cash a check?

Will Bath Savings Institution redeem a savings bond?

Does Bath Savings Institution cash savings bonds?

Will Bath Savings Institution cash money orders?

Can Bath Savings Institution issue a money order?

Does Bath Savings Institution do currency exchange?

Background on The Bank

Who owns Bath Savings Institution?

How long has Bath Savings Institution been around?

Can Bath Savings Institution transfer to other banks?

Does Bath Savings Institution have quick pay?

Does Bath Savings Institution accept rolled coins?

Will Bath Savings Institution accept loose change?

Where is Bath Savings Institution headquarters?

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