This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Bar Harbor, ME
Health score
51.6
Total assets
$103.2M
Bank
Bath, ME
Health score
71.8
Total assets
$189.1M
Answer first
Bar Harbor Savings and Loan Association leads on lending quality and growth; First Federal Savings and Loan Association of Bath leads on financial health and capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
First Federal Savings and Loan Association of Bath
Higher TFS health score
Capitalization
First Federal Savings and Loan Association of Bath
Higher comparable capital ratio
Profitability
First Federal Savings and Loan Association of Bath
Higher return on assets
Lending quality
Bar Harbor Savings and Loan Association
Lower problem-loan measure
Growth
Bar Harbor Savings and Loan Association
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Bar Harbor Savings and Loan Association | First Federal Savings and Loan Association of Bath |
|---|---|---|
| TFS health score | 51.6/100 | 71.8/100Leads |
| Total assets | $103.2M | $189.1M |
| Total deposits / shares | $73.8M | $144.4M |
| Tier 1 capital ratio | 11.54% | 14.79%Leads |
| Return on assets | 0.32% | 0.49%Leads |
| Return on equity | 2.75% | 3.24% |
Bar Harbor Savings and Loan Association
1 branches
First Federal Savings and Loan Association of Bath
5 branches
Both institutions report branches in 1 state: ME.
Bar Harbor Savings and Loan Association
Unavailable
First Federal Savings and Loan Association of Bath
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Bar Harbor Savings and Loan Association
0 in TFS registry
First Federal Savings and Loan Association of Bath
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Bar Harbor Savings and Loan Association score | Bar Harbor Savings and Loan Association ROA | First Federal Savings and Loan Association of Bath score | First Federal Savings and Loan Association of Bath ROA |
|---|---|---|---|---|
| 2024-Q3 | — | -0.53% | — | 0.34% |
| 2024-Q4 | — | -0.52% | — | 0.38% |
| 2025-Q1 | — | -0.07% | — | 0.14% |
| 2025-Q2 | — | 0.00% | — | 0.23% |
| 2025-Q3 | — | -0.21% | — | 0.33% |
| 2025-Q4 | — | -0.10% | — | 0.36% |
| 2026-Q1 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 2.13%Leads | 2.89% |
| Net charge-offs | 0.00%Leads | 0.04% |
| Efficiency ratio | 84.17%Leads | 84.62% |
| Loan-to-deposit ratio | 121.01% | 101.58% |
| Asset growth (YoY) | 4.37%Leads | 1.90% |
| Deposit / share growth (YoY) | 1.45% | 3.36%Leads |
| Branches | 1 | 5 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 53.2/100 |
| 0.39% |
| 71.3/100 |
| 0.56% |
| 2026-Q2 | 51.6/100 | 0.32% | 71.8/100 | 0.49% |