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Community Reinvestment Act Public File

We are pleased to make our Community Reinvestment Act (CRA) Public File available for public inspection on our website. Should you wish to have hard copies of any of the information provided, please contact us at 1-800-447-4559.

We welcome your comments regarding our CRA performance. Any comments or questions regarding CRA may be addressed to:

, Senior Vice President CRA Officer
Bath Savings Institution
PO Box 548
Bath, Maine 04530

Exceptional Service without Exception

Since 1852 it has been our mission to serve the needs of our customers and our communities.

As we strive to exceed the expectations of our customers, our communities and ourselves, we shall not waver from the high ethical and performance standards we have established.

Together, we will always deliver that exceptional service which sets us apart.

Bath Savings Institution has been the financial home for people and businesses in coastal Maine since 1852. Our solid Maine values and strong, conservative approach offer both strength and stability, even in the most turbulent times. We are a mutual organization, proud to be managed and controlled locally. As a Maine based business, Bath Savings Institution is committed to serving the financial needs of the communities we serve. We recognize that compliance with the letter and spirit of the Community Reinvestment Act (CRA) requires us to take a proactive approach in determining and meeting community financial needs, including the financial needs of creditworthy low-income and moderate-income individuals.

Bath Savings Institution is pleased to present our CRA Public File and to take this opportunity to present our most current FDIC prepared Public Disclosures of our Community Reinvestment Act Performance Evaluation that explain how we contribute to the quality of life and economic well-being of the communities that we serve.

We recognize that we share a common destiny with our communities and will use our resources to foster their growth and vitality. We are committed to assisting our communities with funding and professional expertise and by encouraging the volunteer efforts of our employees.

CRA Performance Evaluation – 2021

Branch Information

Branch locations with hours

Branches opened and/or closed with census tracts

Products & Services

Assessment Area

Public Comments


Loan to Deposit Ratio

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (