Bar Harbor Bank and Trust Company
Bar Harbor, ME · Cert 11971 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Bar Harbor Bankshares
State charter, non-member · FDIC · 62 branches
Q2 2026
$4.7BAssets
$3.6BLoans
$3.9BDeposits
$595.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 85% of banks $1B-$10B in assets operating regionally (rank 27 of 176).
- Widest gap: net charge-offs / loans trails 74% of banks $1B-$10B in assets operating regionally (rank 131 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.41%
Rank 60 of 176
Net Interest Margin
3.41%
Rank 105 of 176
Efficiency Ratio
56.09%
Rank 66 of 176
Equity / Assets
12.58%
Rank 27 of 176
Non-interest income vs. expense
Unfavorable gap of $66.4M · efficiency ratio beats 63% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.93% | 1.26% | 1.54% | Beats 66% | 60 / 176 | | |
| Return on Equity | 11.19% | 9.26% | 11.89% | 14.46% | Beats 42% | 102 / 176 | | |
| Net Interest Margin | 3.41% | 3.25% | 3.59% | 3.93% | Beats 40% | 105 / 176 | | |
| Efficiency Ratio | 56.09% | 52.79% | 59.55% | 67.66% | Beats 63% | 66 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.30% | 0.64% | 1.32% | Beats 73% | 49 / 176 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.04% | 0.10% | Beats 26% | 131 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.72% | 11.15% | 12.72% | 14.15% | Beats 49% | 89 / 176 | | |
| Total Risk-Based Capital Ratio | 13.64% | 11.81% | 13.63% | 15.33% | Beats 51% | 87 / 176 | | |
| Equity / Assets | 12.58% | 9.16% | 10.35% | 11.80% | Beats 85% | 27 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.88% | 80.94% | 89.73% | 97.21% | 66th pctl | 60 / 176 | | |
| Loans / Assets | 76.55% | 69.25% | 75.12% | 80.82% | 56th pctl | 78 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |