Average User Rating:
5 star rating based on 1 review.

Bath Savings Institution

105 Front Street
Bath, ME 4530
1-800-447-4559
www.bathsavings.com

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Bath Savings Institution is headquartered in Bath and is the 14^st largest bank in the state of Maine. It is also the 1,028^th largest bank in the nation. It was established in 1852 and as of December of 2011, it had grown to 151 employees at 10 locations. Bath Savings Institution has a 5-star health rating.

Bath Savings Institution Routing Number: 211274447

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See Rates for: Savings | CD | IRA

Bath Savings Institution Savings Account Rates

Apy	Min	Max	Product
0.12%	$500	-	Super Savings Account
0.10%	$500	-	Regular Savings Account

Bath Savings Institution CD Rates

Apy	Min	Max	Product
1.11%	$500	-	5.75 Year Standard CD
1.06%	$500	-	5.5 Year Standard CD
1.06%	$500	-	Laddered CD - 5 Year Rung
1.00%	$500	-	5 Year Standard CD
0.75%	$500	-	Laddered CD - 4 Year Rung
0.70%	$500	-	4 Year Standard
0.70%	$500	-	54 Month Opportunity CD Special
0.45%	$500	-	Laddered CD - 3 Year Rung
0.40%	$500	-	3 Year Standard CD
0.40%	$500	-	3 1/2 Year Standard CD
0.35%	$500	-	30 Month Opportunity CD Special
0.30%	$500	-	Laddered CD - 2 Year Rung
0.25%	$500	-	2 Year Standard CD
0.21%	$500	-	Laddered CD - 1 Year Rung
0.17%	$500	-	18 Month Standard CD
0.16%	$500	-	1 Year Standard CD
0.16%	$500	-	BSI Extra 18 Month CD Special
0.16%	$500	-	15 Month Opportunity CD Special
0.13%	$500	-	6 Month Standard CD
0.13%	$500	-	5 Month Savers CD Special
0.13%	$500	-	7 Month CD Special
0.13%	$500	-	The Nine Month No-Penalty CD Special
0.10%	$500	-	91 Day Standard CD

Bath Savings Institution IRA Rates

Apy	Min	Max	Product
1.06%	$500	-	Laddered IRA - 5 Year Rung
1.00%	$500	-	5 Year Standard IRA
0.75%	$500	-	Laddered IRA - 4 Year Rung
0.70%	$500	-	4 Year Standard IRA
0.70%	$500	-	54 Month Opportunity IRA Special
0.45%	$500	-	Laddered IRA - 3 Year Rung
0.40%	$500	-	3 Year Standard IRA
0.40%	$500	-	3 1/2 Year Standard IRA
0.35%	$500	-	30 Month Opportunity IRA Special
0.30%	$500	-	Laddered IRA - 2 Year Rung
0.25%	$500	-	2 Year Standard IRA
0.21%	$500	-	Laddered IRA - 1 Year Rung
0.17%	$500	-	18 Month Standard IRA
0.16%	$500	-	1 Year Standard IRA
0.16%	$500	-	15 Month Opportunity IRA Special
0.16%	$500	-	BSI Extra 18 Month IRA Special
0.13%	$500	-	6 Month Standard IRA
0.10%	$500	-	91 Day Standard IRA
0.10%	$500	-	1 Year Variable Rate IRA Special

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

Bath Savings Institution
FDIC Certificate #	17749
BankRate Report	View
Year Established	1852
Employees	151
Primary Regulator	FDIC
Assets and Liabilities
Assets	$636.75 million
Loans	$386.14 million
Deposits	$486.83 million
Equity Capital	$68.03 million
Loan Loss Allowance	$5.85 million
Unbacked Noncurrent Loans	$4.83 million
Real Estate Owned	$558,000
Historic Data - December 2010
Assets	$588.28 million
Equity Capital	$59.23 million
Loan Loss Allowance	$5.84 million
Unbacked Noncurrent Loans	$6.30 million
Real Estate Owned	$769,000
Profit Margin - Quarterly
Net Interest Margin	3.29%
Return on Assets	0.97%
Return on Equity	9.35%
Interest Income	$24.42 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bath Savings Institution had $5.38 million in non-current loans and owned real-estate with $73.88 million in equity and loan loss allowances on hand to cover it. This gives Bath Savings Institution a Texas Ratio of 7.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Bath Savings Institution decreased slightly from 10.48% as of December 31, 2010 to 7.29% as of December 31, 2011, resulting in a positive change of 30.45%.This indicates that the balance sheet and financial strength for Bath Savings Institution has improved slightly in recent periods.
Deposit Growth
In the past year, Bath Savings Institution has increased its total deposits by $42.27 million, resulting in 9.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bath Savings Institution has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bath Savings Institution has $636.75 million in assets with $73.88 million in equity, resulting in a capitalization level of 11.60%, which is above average.

Just A Great Bank All Around - Low Risk, Community Focused, Well Capitalized, Old-School Strength And Orientation
5 stars

- wch111 - Monday, July 11, 2011 - 2:56 PM

Bath Savings has been a bank we've used for more than 10 years, including deposit accounts, lines of equity and mortgages. As so many large banks continue to engage in high risk activities that make them overly susceptible to market and political policy changes, BSI just continues to focus on great, solid, predicatable, low cost banking with outstanding service. I feel confidence banking with them.

Bill H.

Washington, DC / Phippsburg, ME