Bar Harbor Bank & Trust
Bar Harbor Bank & Trust reported total assets of $4.7 bn at Q2 2026, up 15.3% on a year earlier, the 293rd largest of 497 banks in our US coverage. The CET1 capital ratio at Bar Harbor Bank & Trust was 12.72%, and the uninsured share of Bar Harbor Bank & Trust was 20.11%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Bar Harbor Bank & Trust climbed from 392nd to 284th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Bar Harbor Bank & Trust has taken over 2 institutions; the latest was Woodsville Guaranty Savings Bank on (FDIC Call Reports).
What sets Bar Harbor Bank & Trust apart
How large is Bar Harbor Bank & Trust?
The balance sheet of Bar Harbor Bank & Trust at : assets $4.7 bn, deposits $3.9 bn, net loans $3.6 bn (loans equal to 93.05% of deposits). Securities make up 12.7% of total assets at Bar Harbor Bank & Trust. Since , when Bar Harbor Bank & Trust held $1.6 bn, its assets grew 191.9%. In the year to , deposits at Bar Harbor Bank & Trust rose 17.0% while its total assets rose 15.3%. At , Bar Harbor Bank & Trust employed 527 full-time equivalent staff across 62 offices, about $9.0 mn of assets per employee and $62.3 mn of deposits per office.
How much funding at Bar Harbor Bank & Trust is uninsured?
At Bar Harbor Bank & Trust, uninsured deposits (above the FDIC limit) made up 20.11% of domestic deposits at (+0.52 pp on a year earlier); Bar Harbor Bank & Trust ranks 408th of 500 on this measure. In dollars, Bar Harbor Bank & Trust estimated $776.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.9 bn | +17.0% | 294th of 499 |
| Net loans and leases | $3.6 bn | +14.9% | 278th of 500 |
| Loan-to-deposit ratio | 93.05% | -1.72 pp | 146th of 500 |
| Tier 1 leverage ratio | 10.49% | -0.23 pp | 228th of 500 |
| Total risk-based capital ratio | 13.64% | -0.08 pp | 290th of 448 |
| Net interest margin | 3.66% | +0.38 pp | 240th of 500 |
| Return on assets (ROA) | 1.42% | +0.46 pp | 183rd of 500 |
| Efficiency ratio | 54.98% | -5.98 pp | 232nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $45.0 mn | Narrowed by $11.1 mn | |
| Noncurrent loans to total loans | 0.32% | -0.01 pp | 117th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.19% | +0.17 pp | 342nd of 500 (1 = lowest) |
US rank of Bar Harbor Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
Bar Harbor Bank & Trust: assets, deposits and loans
- Total assets $4.7bn
- Deposits $3.9bn
- Net loans $3.6bn
Capital and securities
The CET1 ratio of Bar Harbor Bank & Trust stood at 12.72% in , -0.05 pp year on year. Low and high at Bar Harbor Bank & Trust since : 11.80% () to 15.83% (). Equity capital of Bar Harbor Bank & Trust at : $595.8 mn, or 12.6% of total assets. Bar Harbor Bank & Trust also reported a total capital ratio of 13.64% for , and a tier 1 leverage ratio of 10.49%.
The available-for-sale portfolio of Bar Harbor Bank & Trust showed an unrealized loss of $45.0 mn at ; the loss narrowed by $11.1 mn over the year.
Bar Harbor Bank & Trust: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 10%
Bar Harbor Bank & Trust: unrealized securities gains and losses
- Available for sale -$45mn
- Held to maturity $0
Profitability and loan quality
For the year to , Bar Harbor Bank & Trust earned a return on equity of 11.40%; return on assets: 1.42%. Net interest margin at Bar Harbor Bank & Trust: 3.66%, +0.38 pp in a year. Bar Harbor Bank & Trust net income: $33.3 mn, up 70.2% year on year. The efficiency ratio of Bar Harbor Bank & Trust was 54.98%: about 55 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 0.32% of total loans at Bar Harbor Bank & Trust; net charge-offs: 0.19% of average loans. Gross loans and leases at Bar Harbor Bank & Trust: $3.6 bn, up 14.9% in a year.
Bar Harbor Bank & Trust: profitability
- Return on equity 11%
- Net interest margin 3.7%
- Return on assets 1.4%
Peer group of Bar Harbor Bank & Trust
The peer group of Bar Harbor Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Bar Harbor Bank & Trust (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Maine. Against them, Bar Harbor Bank & Trust shows CET1 ratio 12.72% against a peer median of 11.19%, return on equity 11.40% against a peer median of 12.73% and uninsured deposit share 20.11% against a peer median of 31.07%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Hills Bank and Trust Company | State nonmember bank | IA | $4.8 bn | not reported | 16.08% | 23.81% | |
| Wheaton Bank & Trust | National bank | IL | $4.8 bn | 10.78% | 17.60% | 39.74% | |
| First Bank & Trust | State nonmember bank | SD | $4.8 bn | not reported | 11.72% | 31.11% | |
| Bar Harbor Bank & Trust | State nonmember bank | ME | $4.7 bn | 12.72% | 11.40% | 20.11% | |
| Town Bank | National bank | WI | $4.7 bn | 11.19% | 13.73% | 31.04% | |
| Southern First Bank | State nonmember bank | SC | $4.7 bn | 11.61% | 11.01% | 45.94% | |
| Erebor Bank | National bank | OH | $4.7 bn | not reported | -5.45% | 0.00% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bar Harbor Bank & Trust, to : assets +17.6%, deposits +18.1%, equity +16.0%. Staff 458 to 527; offices 54 to 62.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.0 bn | $4.1 bn | $4.1 bn | $4.1 bn | $4.7 bn | $4.7 bn | $4.7 bn | $4.7 bn |
| Total deposits | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn | $4.0 bn | $3.8 bn | $3.9 bn | $3.9 bn |
| Bank equity capital | $513.5 mn | $493.1 mn | $500.7 mn | $503.3 mn | $561.6 mn | $573.3 mn | $584.3 mn | $595.8 mn |
| CET1 ratio | 13.18% | 12.50% | 12.67% | 12.77% | 11.89% | 12.10% | 12.47% | 12.72% |
| Return on equity (ROE) | 10.14% | 10.26% | 9.45% | 7.85% | 7.91% | 8.46% | 10.85% | 11.40% |
| Uninsured share of domestic deposits | 19.67% | 20.23% | 20.10% | 19.59% | 20.24% | 18.87% | 19.42% | 20.11% |
| Full-time equivalent employees | 458 | 455 | 453 | 453 | 501 | 527 | 529 | 527 |
| Number of offices | 54 | 54 | 54 | 54 | 63 | 63 | 62 | 62 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Bar Harbor Bank & Trust, oldest first; figures before and after each event are not like for like.
- . Absorbed Lake Sunapee Bank, FSB (FDIC certificate 31953).
- . Absorbed Woodsville Guaranty Savings Bank (FDIC certificate 18031).
Large one-quarter moves at Bar Harbor Bank & Trust
- Total assets at Bar Harbor Bank & Trust changed by +95.3% in the quarter to 2017-03-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Lake Sunapee Bank, FSB.
Questions and identifiers
What were the total assets of Bar Harbor Bank & Trust?
Bar Harbor Bank & Trust reported $4.7 bn at in its Call Report. That makes Bar Harbor Bank & Trust the 293rd largest of 497 banks in our US coverage.
Is Bar Harbor Bank & Trust the same as its holding company?
No. This page covers Bar Harbor Bank & Trust, FDIC certificate 11971; BAR HARBOR BANKSHARES (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bar Harbor Bank & Trust profitable?
Bar Harbor Bank & Trust reported net income of $33.3 mn for the year to ; annualized return on equity: 11.40%. So yes: Bar Harbor Bank & Trust made a profit over these months.
When is data for Bar Harbor Bank & Trust next updated?
Figures from Bar Harbor Bank & Trust for are due after .
Where can I check the figures for Bar Harbor Bank & Trust?
In the FDIC BankFind Suite record for certificate 11971, and in the Call Reports of Bar Harbor Bank & Trust (RSSD ID 522605) at the FFIEC Central Data Repository.