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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Maine, the state note

Bath Savings Institution

Bath, Maine · $1.50B in assets · beside the 9 other Maine banks between $1B and $3B

The filing

76.5%
Loans / deposits
1st of 10
0.05%
NPA / loans
2nd of 10
14.7%
Equity / assets
1st of 10

Bath Savings Institution holds the most liquid and the best capitalised balance sheet of the ten Maine banks between $1B and $3B: loans are 76.5% of deposits, the lowest in the cohort against a median of 105%, and equity is 14.7% of assets, the highest.

Credit is as clean as the group gets. Noncurrent loans are 0.05%, second of ten, nothing is 30 to 89 days past due, and the allowance covers noncurrent loans 26 times. Loans grew 5.5% in the year to June 2026, the cohort median.

Return on assets is 0.73%, eighth of ten, on an efficiency ratio of 66.3%, second best. The question this shape raises is what the liquidity earns, and what a rate path does to it.

Loans as a share of depositsME banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 104.7% Bath Savings Institution 76.5% Katahdin Trust Co 96.4% Machias Savings Bank 99.1% Androscoggin Savings Bank 103.2% Norway Savings Bank 103.8% Partners Bank of New England 105.6% Kennebunk Savings Bank 107.1% Maine Community Bank 107.6% Kennebec Savings Bank 111.5% Saco & Biddeford Savings Institution 119.2%
Return on assetsME banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 0.93% Partners Bank of New England 1.39% Kennebec Savings Bank 1.35% Norway Savings Bank 1.24% Maine Community Bank 1.15% Machias Savings Bank 0.98% Katahdin Trust Co 0.88% Kennebunk Savings Bank 0.87% Bath Savings Institution 0.73% Androscoggin Savings Bank 0.67% Saco & Biddeford Savings Institution 0.24%

SBA 7(a), FY2008 to FY2026

Bath Savings Institution is the 16th largest 7(a) lender into Maine of 130, with $21M across 136 loans, 1.7% of everything approved in the state (Bangor Savings Bank leads with $138M). 1 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Maine, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cumberland, ME$17M6th of 714.8%-1.5 pts
Sagadahoc, ME$3M3rd of 3010.0%+3.3 pts
Lincoln, ME$584K6th of 214.0%-3.4 pts
Androscoggin, ME$480K21st of 370.6%thin
York, ME$150K57th of 670.1%thin
Barnstable, MA$120K75th of 840.0%quiet FY2010
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Information9$6M27.6%0.15%139th of 958
Accommodation & food services23$4M16.5%0.00%978th of 2,596
Retail trade24$3M15.6%0.01%901st of 2,589
Manufacturing19$3M12.3%0.01%965th of 2,246
Construction8$1M7.0%0.00%1045th of 2,063
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Bath Savings Institution
Bangor Savings Bank 11.1% $138M · 991 loans TD Bank, National Association 7.6% $95M · 825 loans Maine Community Bank 6.5% $81M · 313 loans Live Oak Banking Company 5.6% $69M · 64 loans Katahdin Trust Company 5.4% $67M · 347 loans KeyBank National Association 5.1% $64M · 311 loans Machias Savings Bank 5.0% $62M · 233 loans Camden National Bank 4.9% $61M · 370 loans Manufacturers and Traders Trust C… 4.5% $57M · 353 loans Norway Savings Bank 4.4% $55M · 249 loans Bath Savings Institution 1.7% $21M · 136 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, Bath Savings Institution among them; owner-occupied excluded; bold marks a screen met
Bath Savings InstitutionRankCohort median
Total CRE against capital, the 300% screen113%2nd of 10233%
Construction against capital, the 100% screen19%4th of 1030%
Construction and land development, share of loans5.3%5th of 105.5%
Non-owner-occupied nonfarm nonresidential, share of loans22.1%5th of 1022.9%
Total CRE, the guidance definition, share of loans31.1%4th of 1036.0%
CRE growth over 36 months, the third prong+9.3%2nd of 10+29.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Maine Community Bank$2.98B1.2%64.6%0.46%0.17%0.6%107.6%9.4%
Machias Savings Bank$2.67B1.0%67.0%0.40%0.04%0.9%99.1%11.5%
Kennebunk Savings Bank$2.17B0.9%68.8%0.10%0.01%1.1%107.1%8.8%
Norway Savings Bank$2.16B1.2%67.4%0.29%0.05%0.7%103.8%12.5%
Kennebec Savings Bank$1.87B1.4%71.4%0.46%0.00%0.6%111.5%13.4%
Androscoggin Savings Bank$1.76B0.7%73.9%0.48%0.00%1.0%103.2%10.8%
Bath Savings Institution$1.50B0.7%66.3%0.05%-0.02%1.4%76.5%14.7%
Saco & Biddeford Savings Institution$1.47B0.2%90.3%0.14%0.00%0.4%119.2%9.3%
Katahdin Trust Co$1.16B0.9%68.4%0.48%0.07%1.0%96.4%9.5%
Partners Bank of New England$1.09B1.4%75.2%0.04%0.00%1.0%105.6%10.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bath Savings InstitutionCohort median
20212026Change20212026Change
Loans$640M$883M+38%$968M$1.52B+57%
Deposits$947M$1.15B+22%$1.03B$1.42B+37%
NPA / loans0.04%0.05%+0.01 pts0.39%0.35%-0.05 pts
Efficiency61.0%66.3%+5.3 pts68.8%68.6%-0.2 pts
ROA1.50%0.73%-0.78 pts1.30%0.93%-0.37 pts

This read was prepared for Bath Savings Institution's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bath Savings Institution is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 6 September 2026
Filing 30 June 2026
Cohort ME banks $1B to $3B
Institution www.bathsavings.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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