First Federal Savings and Loan Association of Bath

Headquarters: Bath, Maine
Charter: Bank
Assets: $189.1M
Fed district: Boston
Regulator: OCC

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for First Federal Savings and Loan Association of Bath at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Federal Savings and Loan Association of Bath's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Federal Savings and Loan Association of Bath (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $111K in Q2 2026, 0.9% above the same quarter a year earlier ($110K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
NOW/MONEYMARKET/DEMAND ACCOUNT CHECKING FEES
Can be waived with an average balance of $100 or more.
First Federal Savings and Loan Association of Bath: $5
First Federal Savings and Loan Association of Bath: $5
U.S. median: no median
NSF / Returned Item
First Federal Savings and Loan Association of Bath: $25
First Federal Savings and Loan Association of Bath: $25
U.S. median: no median
Stop Payment
First Federal Savings and Loan Association of Bath: $15
First Federal Savings and Loan Association of Bath: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maine, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maine: Banks and credit unions headquartered in Maine that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 6.7% from Q3 2025 to Q2 2026, to $111K.

Service-charge income, Q2 2026

$111K

$119KQ3 2025

$113KQ4 2025

$105KQ1 2026

$111KQ2 2026

Against the median

First Federal Savings and Loan Association of BathMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Federal Savings and Loan Association of Bath · $189M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$185M to $193M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Federal Savings and Loan Association of Bath(this institution)	Bath, ME	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
BankPacific, Ltd	Hagatna, GU	$192M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bristol Morgan Bank	Oakfield, WI	$191M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Federal Savings Bank	Leavenworth, KS	$190M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Savings Bank and Trust Company	Nashville, TN	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Topeka, KS	$189M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers State Bank	West Salem, OH	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers Trust & Savings Bank	Williamsburg, IA	$192M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings Bank of Champaign Urbana	Champaign, IL	$193M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings of Middletown	Middletown, NY	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank	Socorro, NM	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independence Bank	Independence, OH	$191M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples Bank	Paris, TX	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Savings Bank	Wellsburg, IA	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pine River State Bank	Pine River, MN	$185M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Prairie Community Bank	Marengo, IL	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Bement	Bement, IL	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Cincinnatus Savings & Loan Co.	Cincinnati, OH	$193M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The First National Bank of Raymond	Raymond, IL	$187M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First State Bank of Malta	Malta, MT	$190M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Home National Bank of Thorntown	Thorntown, IN	$186M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Savings Bank	Urbana, OH	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Republic Bank	Elkhorn, NE	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Valley Central Bank	Liberty Township, OH	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Walden Mutual Bank	Concord, NH	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wrentham Co-operative Bank	Wrentham, MA	$193M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (33%) below the median of similar-sized banks.

Its published price is $5, against a peer median of $7.50 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Federal Savings and…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Federal Savings and Loan Association of Bath (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $111K
vs prior quarter: +$6K+5.7%; from Q1 2026
vs a year earlier: +$1K+0.9%; from Q2 2025
vs start of range: −$3K−2.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Federal Savings and Loan Association of Bath (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$111K	+$6K	+5.7%
Q1 2026	$105K	−$8K	−7.1%
Q4 2025	$113K	−$6K	−5.0%
Q3 2025	$119K	+$9K	+8.2%
Q2 2025	$110K	+$17K	+18.3%
Q1 2025	$93K	−$14K	−13.1%
Q4 2024	$107K	−$7K	−6.1%
Q3 2024	$114K	+$9K	+8.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Federal Savings and Loan Association of Bath’s own schedules, with a source for each figure.

Account Maintenance

NOW Account Monthly Service Charge (Average Balance Below $100.00)$5
per month
Early Close Out (before 90 days)$10
Inactive NOW Accounts$1
per month
Inactive Savings Account$1
per month
Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour
Address Correction$5

Overdraft & NSF

Returned Check Charge$25
per item
Overdraft Protection Transfer$3
per transaction

ATM & Card

MasterMoney/ATM Card Replacement$5

Wire Transfers

Wire Transfers | Incoming$5
per item
Wire Transfers: Incoming$5

Check Services

Treasurer Check (one free per day per withdrawal)$5
per transaction
Money Order (one free per day per withdrawal)$2
per transaction
Stop Payment$15
Check Cashing (Non-Customer/ Local Payroll Only)$2

Digital & Electronic

Online Bill Pay$4
per month

Account Services

Notary Service / Signature Guarantee (For Customers)No charge
Safe Deposit Box Key Replacement$35
Not compared: Box drilling or key fee
Safe Deposit Box Late Charge$1.50
Not compared: Monthly charge, not annual
per month
Legal Fees / Processing Levies$50

Retirement & IRA

IRA Transfer/Closeout$25

Other Fees

Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Loan Modification$200

Fee	Amount	Basis	Note
Account Maintenance
NOW Account Monthly Service Charge (Average Balance Below $100.00)	$5	per month	None
Early Close Out (before 90 days)	$10	Not stated	None
Inactive NOW Accounts	$1	per month	None
Inactive Savings Account	$1	per month	None
Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Address Correction	$5	Not stated	None
Overdraft & NSF
Returned Check Charge	$25	per item	None
Overdraft Protection Transfer	$3	per transaction	None
ATM & Card
MasterMoney/ATM Card Replacement	$5	Not stated	None
Wire Transfers
Wire Transfers \| Incoming	$5	per item	None
Wire Transfers: Incoming	$5	Not stated	None
Check Services
Treasurer Check (one free per day per withdrawal)	$5	per transaction	None
Money Order (one free per day per withdrawal)	$2	per transaction	None
Stop Payment	$15	Not stated	None
Check Cashing (Non-Customer/ Local Payroll Only)	$2	Not stated	None
Digital & Electronic
Online Bill Pay	$4	per month	None
Account Services
Notary Service / Signature Guarantee (For Customers)	No charge	Not stated	None
Safe Deposit Box Key Replacement	$35Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Charge	$1.50Not compared: Monthly charge, not annual	per month	None
Legal Fees / Processing Levies	$50	Not stated	None
Retirement & IRA
IRA Transfer/Closeout	$25	Not stated	None
Other Fees
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Loan Modification	$200	Not stated	None

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First Federal Savings and Loan Association of Bath operates, and what regulators and customers have on file.

Enforcement actions

None on file with the OCC

The OCC has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the OCC, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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