BAR HARBOR SAVINGS AND LOAN ASSOCIATION

BAR HARBOR, ME | Small | Est. Jan. 1, 1902, midnight | FDIC #30878 | RSSD #106676 | FDIC
Latest Report: 2025-12-31

BAR HARBOR SAVINGS AND LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in BAR HARBOR, ME, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $102M and total deposits of $73M. Profitability stands at 0.23% ROA and 2.00% ROE, with a net interest margin of 1.93%. The bank's CET1 capital ratio is 11.64%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.67% and a Texas Ratio of 11.67%. FDIC Certificate #30878.

Assets

$102M

Deposits

$73M

Loans

$88M

Equity

$12M

Profitability

Return on Assets (ROA) 0.23%
Return on Equity (ROE) 2.00%
Net Interest Margin (NIM) 1.93%
Yield on Assets 5.17%
Cost of Funds 3.49%

Asset Quality

NPL Ratio 1.67%
Net Charge-Off Ratio --
Texas Ratio 11.67%
NPA Ratio 1.45%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 11.64%
Tier 1 Capital 11.64%
Total Capital Ratio 12.22%
Leverage Ratio 11.45%
Loan-to-Deposit 119.97%

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