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Bar Harbor Bank & Trust

Bar Harbor, ME
IDRSSD: 522605
Total Assets
$4.71B
Latest filing
Total Deposits
$3.96B
Latest filing
Net Interest Margin
3.85%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date09/15/1887
Community BankYes
Ownership TypeNot Mutual
ZIP04609
State and County Number23009
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number01
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NameN/A

Operational Info

Number of Employees453
Domestic Offices54
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date07/31/2025
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.barharbor.bank
Data Updated11/14/2025
CERT11971
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$4.71B
Total Deposits$3.96B
Total Liabilities$4.15B
Total Equity Capital$561.64M
Net Income$10.95M
Net Loans and Leases$3.56B
Assets Per Employee ($Millions)$9.4M
Bank Premises and Fixed Assets$67.62M
Cash and Balances due from Depository Institutions$135.37M
Deposits Held in Domestic Offices$3.96B

Key Performance Ratios

Return on Assets (ROA)0.99%
Return on Equity (ROE)8.23%
Net Interest Margin3.85%
Efficiency Ratio63.1%
Tier 1 Risk-Based Capital Ratio11.887%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.35%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.922%
Earning Assets to total Assets90.16%

Income and Expense

Total Interest Income$55.83M
Total Noninterest Income$10.79M
Total Interest Expense$17.61M
Total Noninterest Expense$31.36M
Net Interest Income$38.22M
Pre-tax Net Operating Income$13.75M
Provision for Credit Losses$3.90M
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$132.34M
Federal Funds Sold & Reverse Repurchase Agreement$47.00k
Federal Funds Purchased and Repurchased Agreement$7.62M
All Other Liabilities$49.20M
Total Liabilities and Capital$4.71B

Securities

Securities$597.81M
Available-for-sale debt securities$597.81M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Bar Harbor Bank & Trust?
$4.71B as of the latest filing.
How much are Bar Harbor Bank & Trust's total deposits?
$3.96B in total deposits.
Where is Bar Harbor Bank & Trust located?
Bar Harbor, ME.
What is the Net Interest Margin?
3.85%.
How many domestic offices does it operate?
54.
When was it established?
09/15/1887.
What is the Return on Assets (ROA)?
0.99%.
How much are total loans and leases?
$3.56B (latest filing).
What is the total interest income (latest filing)?
$55.83M.