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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 $0.1MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $71.0M4%Noninterest $2.8MQ2 2025Q2 2026

NIM

4.22%Q2 ’244.52%Q2 ’254.75%Q2 ’26+64%+35%

Non-interest income vs. expense

1.87%Q2 ’241.67%Q2 ’251.73%Q2 ’26-13%+4%

Executive Summary

  • Earnings: ROA of 0.25%, up 18 bps year over year; NIM at 2.02%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.25%+18 bps YoY

Net Interest Margin (quarter, annualized)

2.02%+52 bps YoY

Efficiency Ratio (quarter, annualized)

81.97%-2,313 bps YoY

Tier 1 Leverage Ratio

11.54%-44 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%-0.63%0.23%0.39%0.25%+18 bps
Return on Equity0.61%-5.28%2.00%3.37%2.14%+154 bps
Net Interest Margin1.50%1.46%1.77%2.00%2.02%+52 bps
Efficiency Ratio105.10%108.88%89.83%86.42%81.97%-2,313 bps
Non-Interest Burden1.57%1.59%1.58%1.72%1.63%+6 bps
Growth
Asset Growth (YoY)-3.90%-1.43%1.85%2.62%4.37%+827 bps
Loan Growth (YoY)-2.40%-1.74%2.41%2.91%4.65%+706 bps
Deposit Growth (YoY)-5.03%-3.76%-3.05%1.53%1.45%+647 bps
Asset Quality
Nonperforming Loans / Loans1.57%1.89%1.67%1.75%2.13%+55 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.79%0.92%0.91%0.85%0.85%+6 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.4x-0.1x
Capital
Tier 1 Leverage Ratio11.98%11.77%11.45%11.48%11.54%-44 bps
Total Risk-Based Capital11.98%11.77%11.45%11.48%11.54%-44 bps
Equity / Assets12.02%11.80%11.64%11.73%11.60%-42 bps
Liquidity & Funding
Loans / Deposits118.30%117.54%119.97%119.07%122.05%+374 bps
Liquid Assets / Assets3.61%4.25%4.08%3.89%3.06%-56 bps
CRE / Total Capitaln/a164.86%171.27%179.10%n/an/a