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Bar Harbor Bank And Trust

IDRSSD: 522605
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 4 alerts active.

Summary

RSSD 522605 held $4.7B in total assets as of 2026-03-31 (-0.1% quarter-over-quarter). Total loans stood at $3.6B (-0.4% QoQ) and total deposits at $3.9B (+1.1% QoQ).

Overall position is adequate — the composite Health Score is 45/100 (Adequate). Tier 1 / RWA stands at 12.47%, in the below median of peers. Asset quality (NPL ratio) sits in the below median of peers.

4 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
45/100
Adequate
Active Alerts
4
0 critical, 4 warning
Total Assets
$4.7B
-0.1% QoQ
Total Loans
$3.6B
-0.4% QoQ
Total Deposits
$3.9B
+1.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.47%
35th pctile · n=249↑ better
+37 bp QoQ
CET1 / RWA
12.47%
47th pctile · n=289↑ better
+37 bp QoQ
Total RBC / RWA
13.47%
34th pctile · n=249↑ better
+39 bp QoQ
Tier 1 Leverage Ratio
12.47%
44th pctile · n=289↑ better
+37 bp QoQ

Liquidity

Cash / Assets
1.73%
12th pctile · n=289↑ better
+3 bp QoQ
Loans / Deposits
91.94%
68th pctile · n=287↓ better
-136 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.65%
53th pctile · n=289↓ better
+33 bp QoQ
NPA / Assets
0.50%
50th pctile · n=289↓ better
+25 bp QoQ
Texas Ratio (regulatory)
4.66%
52th pctile · n=289↓ better
+227 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
19th pctile · n=289↓ better
-3 bp QoQ
ALLL Coverage of NPL
147.28%
44th pctile · n=289↑ better
-14663 bp QoQ

Earnings

Net Interest Margin
3.64%
50th pctile · n=289↑ better
-15 bp QoQ
Return on Assets
1.34%
56th pctile · n=289↑ better
+15 bp QoQ
Return on Equity
10.85%
39th pctile · n=289↑ better
+99 bp QoQ
Efficiency Ratio
56.35%
43th pctile · n=289↓ better
-442 bp QoQ
Pre-tax NOI / Avg Assets
1.71%
60th pctile · n=289↑ better
+21 bp QoQ

Funding

Brokered / Deposits
4.38%
59th pctile · n=287↓ better
+42 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
3.89%
65th pctile · n=289↓ better
-127 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
12.80%
45th pctile · n=289↑ better
+3 bp QoQ
AFS Securities / Assets
12.80%
57th pctile · n=289↑ better
+3 bp QoQ
HTM Securities / Assets
0.00%
22th pctile · n=289↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 11:28:46 UTC