Bath Savings Institution: Bank Stress & Real-Estate Credit Exposure

Bath Savings Institution (FDIC Cert #17749) carries a DLRadar bank-stress score of 59/100, a moderate reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

At the county level, Bath Savings Institution finances markets like Cumberland County, ME, Lincoln County, ME, Sagadahoc County, ME — the specific places where its credit posture translates into local lending capacity. Bath Savings Institution runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 73 ZIP codes. It concentrates most in Maine (3 counties). DLRadar does not model Bath Savings Institution in isolation: the 73-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's moderate posture can be read directly against on-the-ground distress. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Bath Savings Institution's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. The combination of a moderate reading and a compact footprint is what makes Bath Savings Institution worth watching as a supply signal. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. No bank is too small to score the same way: Bath Savings Institution runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 73-ZIP profile means exactly what it would for any institution nationwide.

The acquisition angle is simple — lending capacity is what moves deals. As Bath Savings Institution tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.