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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 $0.1MQ3 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