Bath Savings Institution: how it compares with its peers
Against 11 ME banks with half to twice its assets, Bath Savings Institution's strongest measure in Q2 2026 is efficiency ratio (66.31% vs. a 69.01% peer median). Its weakest relative measure is return on assets (0.74% vs. 0.99%).
| Measure | Bath Savings Institution | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.74% | 0.99% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.09% | 3.64% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.31% | 69.01% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.7M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.41% | 104.55% | Context |
What it means for lending operations
Its efficiency ratio of 66.31% is better than the 69.01% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Saco & Biddeford Savings Institution Saco, ME · $1.47B
- Androscoggin Savings Bank Lewiston, ME · $1.76B
- Katahdin Trust Company Patten, ME · $1.16B
- Kennebec Savings Bank Augusta, ME · $1.87B
- Partners Bank of New England Sanford, ME · $1.09B
- Skowhegan Savings Bank Skowhegan, ME · $855M
Questions about Bath Savings Institution
How big is Bath Savings Institution?
Bath Savings Institution, established in 1852, is headquartered in Bath, ME. It reported $1.50B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Bath Savings Institution's return on assets?
0.74% annualized in Q2 2026, against a 0.99% median for 11 ME banks with half to twice its assets, ahead of 18% of them.
What is Bath Savings Institution's efficiency ratio?
66.31% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 69.01%, and lower is better.
Is Bath Savings Institution growing its loans?
Net loans grew 5.5% over the year to Q2 2026, while deposits grew 2.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are ME banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maine bank ranked.