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Bar Harbor Bank and Trust Company

Bar Harbor, ME · Cert 11971 · Bar Harbor Bankshares

State charter, non-member · FDIC · 62 branches

Q2 2026

$4.7BAssets
$3.6BLoans
$3.9BDeposits
$595.8MEquity
Loan mix
92%RE $3.2B7%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $3.2B18%Noninterest $0.7BQ2 2025Q2 2026

NIM

4.59%Q2 ’244.65%Q2 ’254.73%Q2 ’26+2%+13%

Non-interest income vs. expense

2.25%Q2 ’242.35%Q2 ’252.40%Q2 ’26+7%-2%

Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 1.8% share · #9 of 24 inst. · $0.3B of $15.4B

53.7% Hancock
13.8% Grafton
5.5% Merrimack
1.8% Hillsborough

Executive Summary

  • Earnings: ROA of 1.42%, up 46 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.32% of loans (-1 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 10.49%, down 23 bps from a year ago.
  • Funding: loans stand at 93.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+40 bps YoY

Efficiency Ratio (YTD, annualized)

54.98%-598 bps YoY

Tier 1 Leverage Ratio

10.49%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.96%1.03%1.34%1.42%+46 bps
Return on Equity7.85%7.91%8.46%10.85%11.40%+356 bps
Net Interest Margin3.01%2.98%3.05%3.37%3.41%+40 bps
Efficiency Ratio60.96%61.78%61.49%56.35%54.98%-598 bps
Non-Interest Burden1.45%1.47%1.52%1.46%1.42%-4 bps
Growth
Asset Growth (YoY)1.89%17.01%14.72%15.12%15.29%+1,340 bps
Loan Growth (YoY)2.85%16.42%14.70%15.07%14.86%+1,201 bps
Deposit Growth (YoY)4.82%21.12%17.08%17.21%17.02%+1,220 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.28%0.32%0.65%0.32%-1 bps
Net Charge-Offs / Loans0.02%0.02%0.03%0.00%0.19%+17 bps
Allowance / Loans0.92%0.95%0.94%0.95%0.89%-3 bps
Allowance Coverage of NPLs2.8x3.4x2.9x1.5x2.8x0.0x
Capital
Tier 1 Leverage Ratio10.72%10.04%9.90%10.23%10.49%-23 bps
Total Risk-Based Capital13.72%12.84%13.08%13.47%13.64%-8 bps
Equity / Assets12.26%11.92%12.25%12.51%12.58%+33 bps
Liquidity & Funding
Loans / Deposits95.64%90.64%94.18%92.83%93.88%-176 bps
Liquid Assets / Assets0.88%1.99%0.77%1.00%1.23%+35 bps
CRE / Total Capitaln/a447%454%432%n/an/a