Bar Harbor Bank & Trust
Bar Harbor, ME
IDRSSD: 522605
Total Assets
$4.68B
Latest filing
Total Deposits
$3.83B
Latest filing
Net Interest Margin
3.79%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
011201759BAR HARBOR, ME211273752BAR HARBOR, ME
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bar Harbor Bank & Trust
82 Main St
Bar Harbor, ME 04609
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/15/1887FDIC Certificate 7640
Branches (62)
Page 1 of 9| Name | Address | City / State |
|---|---|---|
| Bar Harbor Bank & Trust (Main) | 82 Main St | Bar Harbor, ME |
| NEW LONDON MAIN ST BRANCH | 321 Main St | New London, NH |
| WOODSVILLE BRANCH | 63 Central St | Woodsville, NH |
| MACHIAS BRANCH | 41 Main St | Machias, ME |
| UNION STREET BRANCH | 992 Union St | Bangor, ME |
| STILLWATER AVE BANGOR BRANCH | 920 Stillwater Ave | Bangor, ME |
| BREWER BRANCH | 366 Wilson St | Brewer, ME |
| ORONO BRANCH | 69 Main St | Orono, ME |
Showing 7 of 62
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/15/1887 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 04609 |
| State and County Number | 23009 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 501 |
| Domestic Offices | 63 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/31/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.barharbor.bank |
| Data Updated | 01/30/2026 |
| CERT | 11971 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.68B |
| Total Deposits | $3.83B |
| Total Liabilities | $4.11B |
| Total Equity Capital | $573.30M |
| Net Income | $13.99M |
| Net Loans and Leases | $3.58B |
| Assets Per Employee ($Millions) | $8.88M |
| Bank Premises and Fixed Assets | $66.68M |
| Cash and Balances due from Depository Institutions | $79.53M |
| Deposits Held in Domestic Offices | $3.83B |
Key Performance Ratios
| Return on Assets (ROA) | 1.19% |
| Return on Equity (ROE) | 9.86% |
| Net Interest Margin | 3.79% |
| Efficiency Ratio | 60.77% |
| Tier 1 Risk-Based Capital Ratio | 12.102% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.254% |
| Earning Assets to total Assets | 90% |
Income and Expense
| Total Interest Income | $57.26M |
| Total Noninterest Income | $10.35M |
| Total Interest Expense | $17.20M |
| Total Noninterest Expense | $31.19M |
| Net Interest Income | $40.06M |
| Pre-tax Net Operating Income | $18.08M |
| Provision for Credit Losses | $1.14M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $212.02M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.80M |
| All Other Liabilities | $54.10M |
| Total Liabilities and Capital | $4.68B |
Securities
| Securities | $597.42M |
| Available-for-sale debt securities | $597.42M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$4.68B as of the latest filing.
How much are Bar Harbor Bank & Trust's total deposits?
$3.83B in total deposits.
Where is Bar Harbor Bank & Trust located?
Bar Harbor, ME.
What is the Net Interest Margin?
3.79%.
How many domestic offices does it operate?
63.
When was it established?
09/15/1887.
What is the Return on Assets (ROA)?
1.19%.
How much are total loans and leases?
$3.58B (latest filing).
What is the total interest income (latest filing)?
$57.26M.