Visbanking Logo
Skip to main content

Bar Harbor Savings And Loan Association

IDRSSD: 106676
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 106676 held $101.6M in total assets as of 2026-03-31 (-0.1% quarter-over-quarter). Total loans stood at $87.4M (+0.1% QoQ) and total deposits at $74.0M (+0.8% QoQ).

Overall position is weak — the composite Health Score is 21/100 (Weak). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the bottom quartile of peers.

4 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
21/100
Weak
Active Alerts
4
1 critical, 3 warning
Total Assets
$101.6M
-0.1% QoQ
Total Loans
$87.4M
+0.1% QoQ
Total Deposits
$74.0M
+0.8% 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
—
data pending↑ better
CET1 / RWA
0.00%
28th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
28th pctile · n=500↑ better

Liquidity

Cash / Assets
4.67%
39th pctile · n=500↑ better
-17 bp QoQ
Loans / Deposits
118.06%
99th pctile · n=493↓ better
-82 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.75%
81th pctile · n=500↓ better
+8 bp QoQ
NPA / Assets
1.52%
86th pctile · n=500↓ better
+7 bp QoQ
Texas Ratio (regulatory)
12.46%
87th pctile · n=500↓ better
+53 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
46th pctile · n=500↓ better
ALLL Coverage of NPL
48.58%
38th pctile · n=500↑ better
-563 bp QoQ

Earnings

Net Interest Margin
2.08%
3th pctile · n=500↑ better
+24 bp QoQ
Return on Assets
0.39%
17th pctile · n=500↑ better
+16 bp QoQ
Return on Equity
3.37%
18th pctile · n=500↑ better
+137 bp QoQ
Efficiency Ratio
86.42%
83th pctile · n=500↓ better
-341 bp QoQ
Pre-tax NOI / Avg Assets
0.45%
17th pctile · n=500↑ better
+20 bp QoQ

Funding

Brokered / Deposits
5.64%
84th pctile · n=493↓ better
+317 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
17.06%
98th pctile · n=500↓ better
-75 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
4.86%
17th pctile · n=500↑ better
+48 bp QoQ
AFS Securities / Assets
4.86%
25th pctile · n=500↑ better
+48 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ 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: 2026-05-15 05:06:56 UTC