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Loan Officers


David Platteter, Bath


David Platteter located at our Main Office in Bath, is our Senior Vice President overseeing the bank’s lending department amongst other key responsibilities like bank security. He started his banking career at Bangor Savings Bank where he worked as a night teller and loan processor, before moving to First Federal Savings & Loan for the last 28 years. He’s an avid continuous learner and can be found listening in on webinars daily, taking nights classes, and completing the Graduate School of Banking Colorado program in 2013 for emerging leaders in the bank industry.

As a Bath area resident for nearly 50 years, David knows the community we support and the needs of its residents as well if not better than anyone else. Customers that work with David will tell you this is an obvious reason why he has the role he does at First Federal and how impactful it is on the community.

There is no shortage of home building in the area and David offers abundant personal experience having built his own home and tackled numerous renovation projects. As the Main Office’s commercial lender, David has spent 25 years working with local commercial fishing entities, restaurants, light manufacturers, auto repair companies, vehicle retail, resident rental real estate, building trades and self-employed professionals in many industries. If you want to work with someone that understands your industry and can offer wisdom you don’t traditionally see in a banker, we recommend you come to 125 Front Street and meet David.

David boasts that he has been a First Federal Savings customer for more than 30 years. The service and flexibility in how we do business with our customers can’t be found at other institutions and is what makes this bank a true community bank and one of the last remaining. When David fields an application, he sees the person, their life experiences, strengths and weaknesses, and their goals. Many banks and Loan Officers today see an arbitrary number preventing an important opportunity to understand the story of a community member and meet their needs.

If you’re looking someone that wants to learn about you, your business, and help you meet your unique needs – Give us a call at 207-442-8711. David will make time for you.

Jean Huber, Boothbay Harbor


Jean Huber is Vice President leading our Boothbay Harbor Branch. She wears many hats; as the Branch Manager, Loan Officer and managing the bank’s independent investment program for all of First Federal Savings.

Midcoast Maine has been home for Jean her entire life. She started her professional career as a paralegal, a common component of many of her colleagues at the bank. She took this knowledge and started her own small business with five employees, doing research for local attorneys and building what proved to be a foundational skillset for helping prospective homeowners navigate their real estate transactions.

Jean has been in banking for more than 20 years, spending the duration as a manager, financial advisor, and loan officer. Customers at our institution have come to expect more from their bankers and Jean is the perfect example representing why. She is a trusted advisor with experience investing, purchasing homes, and owning and operating a small business. The value she has to offer as a partner is above and beyond the norm and what we at First Federal Savings and have come to realize is what our customers need.

Anyone living in the Midcoast region can appreciate how unique the place we call home is. The folks that we call customers also have unique needs and First Federal is one a kind when it comes to our approach for meeting these unique needs. We work closely with our customers to ensure we understand what they’re trying to do and how we can help pave the path to help them reach their goals. When asked why she chose First Federal Savings, Jean mentioned how the bank gives back to the communities it resides through each unique transaction with customers, but also the time and support the institution offers to community organizations. Jean is incredibly involved, as member on the Boothbay Harbor Rotary Club, and a former board member of 7 Rivers Habitat for Humanity, the Lincoln Home, and the Town of Wiscasset’s Planning and Appeals Boards.

If you’re looking for an adviser to help you meet your goals, give us a call in Boothbay Harbor at 207-633-2660. We’ll make time for you.

Charlotte Kaplan, Wiscasset


Charlotte is our Branch Manager and Loan Officer at our newest location in Wiscasset. Opening a new location is stressful for a business in any industry, but since we opened their doors 10-years ago, Charlotte and her staff have excelled in filling an apparent gap in southern Lincoln County amongst the communities we support.

A native to the Bath area and most impressively as a 5th generation, Charlotte was raised on a dairy farm. She helped with her family business learning the trials and tribulations of a small business owner and the need to constantly innovate to support their family.

Starting as a paralegal, Charlotte transitioned to banking 23 years ago when she started at First Federal Savings. Like other lenders on our team, she first came to this bank more than 30 years ago to meet with one of our lenders. She loved the experience, sharing that her story was heard, she was asked powerful questions about her needs and interests that helped outline a plan that would make Charlotte’s home a reality. A few years later, Charlotte jumped at the opportunity to be able to do this professionally for other people like herself in the community that she loves. If there’s one thing that’s obvious, it’s that the guidance and partnership that customers get through this process at First Federal Savings and the happiness that it creates for those people is a driving force for Charlotte every day.

With so much experience in the Midcoast community, Charlotte has found many ways to add value outside of the bank. In addition to her job, she spends her time volunteering as a Director for Friends of Seguin Island, Habitat for Humanity, and quilting for fundraising purposes such as donations to Veteran’s programs, Children’s Services and Cancer Treatment Centers.

If you’d like to meet Charlotte and see how her passion for helping customers can set you on the right path to meet your goals, call the Wiscasset branch at 207-882-6266 – We’ll make time for you.

Brenda Scherer, Damariscotta


Brenda, our Damariscotta Vice President, Branch Manager and Lender is a lifelong Mainer. As you will find with the majority of First Federal Savings employees, Brenda still finds herself living in the same town where she was raised near Damariscotta. She attended Lincoln Academy in Newcastle before moving on to Thomas College. In addition to staying close to family, the natural beauty of the lakes, oceans and mountains have kept her local, something we can all appreciate no matter how long we’ve been here.

36 years into her banking career, Brenda has excelled in a variety of roles, starting her career at Damariscotta Bank & Trust, and transitioning to First Federal Savings where she’s currently celebrating her 20th year as a leader at our institution. In addition to the people skills that she’s developed over the years, she spent time as a Teller, processing loans, bookkeeping, secretarial duties to the President, lending and more. Her experience comes together to present a skillset that goes above and beyond what most bank customers have come to expect from lenders. She has personal experience buying land and building homes which goes a long way in her role working with homeowners and developers at all experience levels.

Brenda chose First Federal Savings for the same reasons that you should. The employees are local and people she knows. We all share similar experiences that are unique to Midcoast Maine. Most importantly, she knew it was a place she could grow and establish meaningful relationships. In the same way that customers want to know their bankers and have easy access to important conversations, Brenda wants to get to know her customers to be able to better meet their needs.

If you’re looking for a partner, give us a call in Damariscotta at 207-563-3111. We’ll make time for you.

Melissa Kindlimann, Bath


The more First Federal bankers you meet, the more you realize the volume of experience we cumulatively hone as bankers and as residents in Midcoast Maine. Melissa Kindlimann is no exception, calling the Bath area home for her entire life.

If you are local, then your experiences are probably a lot like Melissa’s. As a child she spent her time helping various family members; some days were spent on the farm while others were building forts in the woods or out on the lobster boat. She spent a lot of time at the Brunswick Naval Air Station with her Grandparents who were both retired Navy. She is also no stranger to BIW, with a parent that still works there today and one that just retired. She’s a proud second-generation Morse-alumnus, moving onto the University of Maine at Augusta for post-secondary education.

Melissa’s track record in Real Estate is impressive. Before coming to First Federal Savings, she spent time as a realtor, and helping a local attorney reviewing Titles and both preparing and conducting closings. The bank hired her as a Loan Officer 11 years ago because of prior work with Charlotte, our Wiscasset lender. This combined experience provides for a great partner for any homebuyer. Melissa has vast experience in, quite literally, every aspect of the Real Estate transaction process. She has also owned 10 homes in the past 21 years. One was a flip house. The other 9 she lived in, renovated, and sold, except for her current home.

We asked Melissa why she chose First Federal Savings – She mentioned that throughout her homeownership projects she had worked with a few different institutions and is familiarized with the secondary mortgage market. When she came to First Federal Savings it was her first experience with a portfolio lender (the bank partners with you for the life of your loan, we don’t sell it). She felt like the process was so much easier both as a lender and as a borrower, no hoops to jump through, and a meaningful relationship ensued. She was hooked. She loves the opportunity to learn the story that comes with a new customer – Their plans, their needs, their struggles, and their goals. Melissa shared that working here she feels like she matters and so do our borrowers.

If you want to find a banker that understands what it’s like to be in your shoes and bring value beyond what you think you need today – Come meet Melissa or call us at 207-442-8711. We’ll make time for you.

Report Lost or Stolen Card or Ask Questions

Within the U.S.  1-833-221-8637
Outside the U.S.  1-614-564-5105

Initiate a Dispute for Fraud or Non-Fraud Transactions

1-833-221-8638

Winter Hours: Effective 12/06/21 our Congress Avenue branch will be opening at 9:00am