Bank · FDIC insured
First Federal Savings
A $189.1M bank headquartered in Bath, ME, with 5 branches in Maine. Best rates: CDs 3.05% and savings 0.45% APY.
First Federal Savings Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#27 of 39 in Portland, ME metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Federal Savings
Founded in 1935 by local community and business leaders, First Federal Savings and Loan Association of Bath is a federally chartered mutual institution in Maine.
The institution has served Lincoln and Sagadahoc counties in mid-coast Maine, as well as the communities of Bath, Boothbay Harbor, Damariscotta, and Wiscasset, for over 90 years.
- Headquarters
- 125 Front St, Bath, ME 04530
- FDIC certificate
- 29636 ↗
Branches
5 branches in Maine
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Maine
5 branches
Portland area · 2
- First Federal Savings and Loan Association of BathMain office125 Front St, Bath, ME 04530Directions
- 45 Congress Ave. Branch45 Congress Ave, Bath, ME 04530Directions
Boothbay Harbor area · 1
- 41 Townsend Avenue Branch41 Townsend Ave, Boothbay Harbor, ME 04538Directions
Damariscotta area · 1
- 238 Main Street Branch283 Main St, Damariscotta, ME 04543Directions
Wiscasset area · 1
- 695 Bath Road-Branch695 Bath Rd, Wiscasset, ME 04578Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.79% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.89% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.49% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $103 | $81 | — |
- CapitalLeverage ratio14.79%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.89%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.49%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$103Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Federal Savings are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.