BanksBAR HARBOR SAVINGS AND LOAN ASSOCIATION

BAR HARBOR SAVINGS AND LOAN ASSOCIATION

BAR HARBOR, MESmallEst. Jan. 1, 1902, midnightFDIC #30878RSSD #106676FDIC
Latest · 2025-12-31

BAR HARBOR SAVINGS AND LOAN ASSOCIATION is an 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%. CET1 capital ratio: 11.64%, well above regulatory minimums. NPL ratio: 1.67% · Texas Ratio: 11.67%. Operates 1 domestic branch.

Assets
$102M
Deposits
$73M
Loans
$88M
Equity
$12M

Profitability

Return on Assets (ROA)0.23%
Return on Equity (ROE)2.00%
Net Interest Margin1.93%
Yield on Assets5.17%
Cost of Funds3.39%

Asset Quality

NPL Ratio1.67%
Net Charge-Off Ratio0.00%
Texas Ratio11.67%
NPA Ratio1.45%
ACL / Loans0.91%

Capital & Liquidity

CET1 Ratio11.64%
Tier 1 Capital11.64%
Total Capital Ratio12.22%
Leverage Ratio11.45%
Loan-to-Deposit119.97%

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