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
Unfavorable gap of $1.7M · efficiency ratio beats 12% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.72% | 1.06% | 1.45% | Beats 11% | 666 / 746 | |
| Return on Equity | 2.74% | 6.74% | 10.51% | 13.63% | Beats 11% | 666 / 746 | |
| Net Interest Margin | 2.01% | 3.17% | 3.68% | 4.16% | Beats 3% | 726 / 746 | |
| Efficiency Ratio | 84.17% | 55.74% | 64.58% | 75.47% | Beats 12% | 654 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.13% | 0.09% | 0.42% | 1.07% | Beats 11% | 665 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.54% | 11.55% | 13.75% | 17.60% | Beats 25% | 563 / 746 | |
| Total Risk-Based Capital Ratio | 11.54% | 11.71% | 14.33% | 18.43% | Beats 23% | 577 / 746 | |
| Equity / Assets | 11.60% | 8.90% | 10.51% | 13.06% | Beats 65% | 264 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 122.05% | 61.31% | 78.27% | 90.78% | 98th pctl | 12 / 746 | |
| Loans / Assets | 87.22% | 53.60% | 66.97% | 76.08% | 97th pctl | 19 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |