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Bar Harbor Savings And Loan Association

IDRSSD: 106676
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2025-Q4QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #106676 2025-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 118.9% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ +3
67
Sub-score

Liquidity is stable: brokered 2.5%, loans/deposits 118.9%, cash 4.8% of assets.

Cash / Assets
4.84%
Loans / Deposits
118.88%
Brokered %
2.47%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 118.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.45%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.41%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.41%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +1
86
Sub-score

Asset quality is strong: Adjusted NPL 1.69%, Texas Ratio 11.9%, NCO YTD 0.00%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.00%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +4
26
Sub-score

Reserves are weak: ALLL 0.91% of loans, coverage 54.2%, true coverage 54.2%.

ALLL / Loans
0.91%
Coverage
54.2%
True Loss Coverage
54.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 05:07:03 UTC