Bar Harbor, ME · Cert 11971 · Bar Harbor Bankshares
State charter, non-member · FDIC · 62 branches
Q2 2026
Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 1.8% share · #9 of 24 inst. · $0.3B of $15.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.29% | 1.15% | 0.77% | 0.99% | 1.19% | 1.34% | 1.50% | +73 bps | |
| Return on Equity | 11.12% | 10.40% | 9.45% | 6.24% | 8.23% | 9.86% | 10.85% | 11.94% | +570 bps | |
| Net Interest Margin | 3.02% | 3.03% | 2.97% | 3.05% | 3.47% | 3.52% | 3.37% | 3.44% | +39 bps | |
| Efficiency Ratio | 58.42% | 57.06% | 60.24% | 61.65% | 63.10% | 60.77% | 56.35% | 53.65% | -801 bps | |
| Non-Interest Burden | 1.33% | 1.30% | 1.41% | 1.49% | 1.80% | 1.77% | 1.46% | 1.37% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.13% | 2.78% | 2.61% | 1.89% | 17.01% | 14.72% | 15.12% | 15.29% | +1,340 bps | |
| Loan Growth (YoY) | 2.95% | 4.90% | 3.68% | 2.85% | 16.42% | 14.70% | 15.07% | 14.86% | +1,201 bps | |
| Deposit Growth (YoY) | 3.85% | 3.99% | 5.35% | 4.82% | 21.12% | 17.08% | 17.21% | 17.02% | +1,220 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.22% | 0.26% | 0.32% | 0.28% | 0.32% | 0.65% | 0.32% | -1 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.01% | 0.03% | 0.04% | 0.03% | 0.00% | 0.38% | +34 bps | |
| Allowance / Loans | 0.94% | 0.91% | 0.92% | 0.92% | 0.95% | 0.94% | 0.95% | 0.89% | -3 bps | |
| Allowance Coverage of NPLs | 4.1x | 4.1x | 3.5x | 2.8x | 3.4x | 2.9x | 1.5x | 2.8x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.92% | 10.66% | 10.63% | 10.72% | 10.04% | 9.90% | 10.23% | 10.49% | -23 bps | |
| Total Risk-Based Capital | 14.17% | 13.44% | 13.61% | 13.72% | 12.84% | 13.08% | 13.47% | 13.64% | -8 bps | |
| Equity / Assets | 12.75% | 12.09% | 12.34% | 12.26% | 11.92% | 12.25% | 12.51% | 12.58% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.29% | 96.14% | 94.56% | 95.64% | 90.64% | 94.18% | 92.83% | 93.88% | -176 bps | |
| Liquid Assets / Assets | 1.03% | 0.93% | 1.34% | 0.88% | 1.99% | 0.77% | 1.00% | 1.23% | +35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 447% | 454% | 432% | n/a | n/a | |