# BATH SAVINGS INSTITUTION
BATH, ME · FDIC certificate 17749 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.50B | |
| Deposits | $1.15B | |
| Loans and leases | $883.0M | |
| Total equity | $220.8M | |
| Loans / deposits | 75.41% (p25 of band) | 87.10% |
| Liquid assets / assets | 36.44% (p85 of band) | |
| Uninsured deposits / deposits | 47.37% (p87 of band) | 30.76% |
| Brokered deposits | 5.46% | |
| Wholesale funding | 13.04% (p74 of band) | |
| FHLB advances / assets | 5.72% | |
| Tier 1 leverage | 15.76% (p94 of band) | 10.50% |
| Unrealized securities loss / equity | -33.13% (p7 of band) | -7.75% |
| AOCI / equity | -0.53% (p33 of band) | |
| ROA (annualized) | 0.74% (p17 of band) | 1.26% |
| Net interest margin | 3.09% (p19 of band) | 3.70% |
| Efficiency ratio | 66.31% (p71 of band) | |
| Noncurrent loans | 0.05% (p10 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p4 of band) | |
| Reserve coverage of noncurrent | 2638.40% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 21.21% (p19 of band) | |
| Auto loans | $3.9M (0.44% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 185 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 1 |  | brokered >10%, reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | reserve under noncurrent |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | wholesale funding >15% |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | wholesale funding >15% |  |
| 2016-06 | 0 |  | wholesale funding >15% |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | wholesale funding >15% |  |
| 2017-09 | 0 |  | wholesale funding >15% |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | losing money |  |
| 2020-06 | 0 |  | losing money |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | securities losses >30% of equity |  |
| 2022-06 | 3 | capital falling, losing money |  |
| 2022-09 | 3 | AOCI drag >20% of equity | losing money |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | NIM <2.5% |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | NIM <2.5% |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-02 [Bath Savings Institution Review - SmartAsset](https://news.google.com/rss/articles/CBMiigFBVV95cUxNRFhpT3UwUnBmdEhfcEt5UERRWmhxX2x3ODZWVlBOWFJMN1ZkVFQ4Vm1CbnROZGhRejQ1b2x6TEk2bHJzYjFVUVN1bkFPRDI5Vk4zTGV1eWVlOExDNWdSN1pOZnlJQjU4X2EyTlB0ODYtVXc2M0p5SzVVQmJDT2NweURzSWM0N2tjaFE?oc=5) · SmartAsset
- 2026-07-31 [Patricia Lane Retires from Bath Savings - The Lincoln County News](https://news.google.com/rss/articles/CBMif0FVX3lxTE9mTDV0SGFnWEoxYmg1VjNqZGUxQlRPMkFEQURyZXU1X1FHWUZlaklSTWlBM0V2RHpxNm5fZl96TUdvRXoyeXViRlJwQy1NLXpkcEV3OGdvZFdUUlJEcm42QUVkVnR5QTE4aktlT2pweGNveGJ2RW9zRFBieVNHZnc?oc=5) · The Lincoln County News
- 2024-10-16 [Bath Savings names vice president, trust officer - mainebiz.biz](https://news.google.com/rss/articles/CBMigwFBVV95cUxQVEplNnhzajJ6U0tNNmNXM1NwWW42Ym8xSDM1ajViZS02b2FyaDd6SUlBckJWUWV6T2t2Yzh1cXpWbVhNZ25BWXBhQ2xPcnJNT1BzTW5penJIUEY1YU9ES1NoSDNlVVhJOVV5dUFIby14SWhRRWNtSWp0RjgxbGhZeThkWQ?oc=5) · mainebiz.biz
- 2025-12-17 [Maine - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPOFZxMXZybnh2V01ISTNpaFFJU0R4M1o4RllmMHlkRTZmLTJNanlRTWZBa210Rk5Ld25sMzNOWGcyUHViTEFTSVhoeUx0SnpMSENMNld4TkExVUlndW1mai1VbzcxNzhnblZjZFJXTlJyQzBacldMNElia2R1ZlpDZ2lvYVZfdlFIWW1z?oc=5) · Newsweek Rankings
- 2017-04-05 [Bath Savings Institution announces promotions - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMijgFBVV95cUxPSXJPT2ozNzJ1R2ZDRDdYdU5raUpjUzhRdDc4dFdzZmxFQ1d3LW1TMG5YN3BieG1LOFdfNjZkN1BoNmo3TXlKR0ktaWdIMWlSRFB0SENoc3BNUmlQckZ4M2JoaHp3eHZjb0NFZWg1THVWS2g5QWJxcHp3TzJTeXBPSU9TLUxyYk5mdlRTaGJB?oc=5) · Portland Press Herald - Maine Sunday Telegram
- 2025-11-20 [Mascoma Bank adds to its Portland team - mainebiz.biz](https://news.google.com/rss/articles/CBMid0FVX3lxTE9tb1dFckM2Y2l4ZWhMWV9aRy04bkh5YmVPRk1faVM3MEZXZ2k4MjdTUmNfRkhqQ3NnVjFGMDdaY1ZPTWwyX3haemNqMmNFc1ZUbWZsajVPci0zbC1vWXJ3cW1NdjFPcHIzUElMSTF0VTZ4NUxNOEpF?oc=5) · mainebiz.biz
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 2026-03-12 [Katherine Louise Barter Obituary (2026) - Brunswick, ME - David E. Desmond & Son Funeral Home - Bath - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQTUhBT3B6dTkzeUZ4dEZiNjg0b09CUXllRHZ1SmdHeFdTbVBYZWxoaXJCNXNUc2plTUtUQWhjZDY0UFhyMjVBRTJiYzFPSG9hMXBmQnVlM1lKN3dHYXBZMGZjZkpGNEREYTJ0VjhhSjlMOTJJbW9icndPMFVEbkpXR1FZR3F3dw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17749 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "17749", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide