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Bar Harbor Savings and Loan Association

Bar Harbor, ME · Cert 30878

SL · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

12

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bar Harbor Savings and Loan Association

Bar Harbor, ME · Cert 30878

SL · FDIC · 1 branch

Q2 2026

$103.2MAssets
$90.0MLoans
$73.8MDeposits
$12.0MEquity
Loan mix
100%RE $88.1M0%C&I $0.0M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $71.0M4%Noninterest $2.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.32%, up 32 bps year over year; NIM at 2.01%.
  • Asset quality: problem loans at 2.13% of loans (+55 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.54%, down 44 bps from a year ago.
  • Funding: loans stand at 122.05% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.32%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.01%+57 bps YoY

Efficiency Ratio (YTD, annualized)

84.17%-2,487 bps YoY

Tier 1 Leverage Ratio

11.54%-44 bps YoY

NIM

4.20%Q2 ’244.49%Q2 ’254.78%Q2 ’26+56%+39%

Non-interest income vs. expense

1.81%Q2 ’241.69%Q2 ’251.75%Q2 ’26-10%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.53%-0.52%-0.07%0.00%-0.21%-0.10%0.39%0.32%+32 bps
Return on Equity-4.50%-4.39%-0.57%0.02%-1.75%-0.81%3.37%2.75%+274 bps
Net Interest Margin0.97%1.04%1.39%1.44%1.44%1.51%2.00%2.01%+57 bps
Efficiency Ratio172.41%161.50%113.17%109.03%108.98%103.48%86.42%84.17%-2,487 bps
Non-Interest Burden1.72%1.72%1.58%1.58%1.58%1.55%1.72%1.68%+9 bps
Growth
Asset Growth (YoY)-2.83%-5.13%-3.69%-3.90%-1.43%1.85%2.62%4.37%+827 bps
Loan Growth (YoY)1.68%-0.69%-2.52%-2.40%-1.74%2.41%2.91%4.65%+706 bps
Deposit Growth (YoY)3.29%2.52%-2.76%-5.03%-3.76%-3.05%1.53%1.45%+647 bps
Asset Quality
Nonperforming Loans / Loans1.91%1.66%1.66%1.57%1.89%1.67%1.75%2.13%+55 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.79%0.82%0.81%0.79%0.92%0.91%0.85%0.85%+6 bps
Allowance Coverage of NPLs0.4x0.5x0.5x0.5x0.5x0.5x0.5x0.4x-0.1x
Capital
Tier 1 Leverage Ratio11.91%12.07%11.94%11.98%11.77%11.45%11.48%11.54%-44 bps
Total Risk-Based Capital11.91%12.07%11.94%11.98%11.77%11.45%11.48%11.54%-44 bps
Equity / Assets11.86%11.84%11.97%12.02%11.80%11.64%11.73%11.60%-42 bps
Liquidity & Funding
Loans / Deposits115.11%113.57%117.47%118.30%117.54%119.97%119.07%122.05%+374 bps
Liquid Assets / Assets3.27%4.36%3.34%3.61%4.25%4.08%3.89%3.06%-56 bps
CRE / Total Capitaln/an/an/an/a164.86%171.27%179.10%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bar Harbor Savings and Loan Association

Bar Harbor, ME · Cert 30878 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SL · FDIC · 1 branch

Q2 2026

$103.2MAssets
$90.0MLoans
$73.8MDeposits
$12.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets operating in a single state (rank 726 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.32%

Rank 666 of 746

Net Interest Margin

2.01%

Rank 726 of 746

Efficiency Ratio

84.17%

Rank 654 of 746

Equity / Assets

11.60%

Rank 264 of 746

Non-interest income vs. expense

$0.1M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 12% of banks under $1B in assets operating in a single state
Bank 84.17%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.32%0.72%1.06%1.45%Beats 11%666 / 746
Return on Equity2.74%6.74%10.51%13.63%Beats 11%666 / 746
Net Interest Margin2.01%3.17%3.68%4.16%Beats 3%726 / 746
Efficiency Ratio84.17%55.74%64.58%75.47%Beats 12%654 / 746
Asset Quality
Nonperforming Loans / Loans2.13%0.09%0.42%1.07%Beats 11%665 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.54%11.55%13.75%17.60%Beats 25%563 / 746
Total Risk-Based Capital Ratio11.54%11.71%14.33%18.43%Beats 23%577 / 746
Equity / Assets11.60%8.90%10.51%13.06%Beats 65%264 / 746
Liquidity & Funding
Loans / Deposits122.05%61.31%78.27%90.78%98th pctl12 / 746
Loans / Assets87.22%53.60%66.97%76.08%97th pctl19 / 746
Brokered Deposits / Depositsn/aNot reported for this institution