Bar Harbor Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Bar Harbor Bank and Trust Company is an FDIC-insured commercial bank headquartered in Bar Harbor, ME, established in 1887 (FDIC certificate 11971), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.73B, up 15.3% from Q2 2025, the 4th largest of 22 banks headquartered in Maine. Its CET1 capital ratio was 12.72% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11971
- Headquarters
- Bar Harbor, ME
- Established
- 1887
- Total assets, Q2 2026
- $4.73B
- Assets vs Q2 2025
- +15.3%
- CET1 ratio, Q2 2026
- 12.72%
- Domestic offices
- 62 FDIC institution directory, current count
- Routing number
- 011201759
- Latest call report
- Q2 2026, FFIEC 041 · Bar Harbor Bank and Trust Company call report
- Holding company
- BAR HARBOR BANKSHARES
- Asset rank in state
- 4th of 22 in Maine
Bar Harbor Bank and Trust Company leans heavily on commercial real estate. The Bar Harbor, Maine bank had $4.7 billion in assets at June 30, 2026, up 15.3% from a year earlier. It holds commercial real estate loans worth 3.4 times its capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). It also grew deposits 17.0% over the year, about triple the median of 5.1% for banks its size.
Earnings jumped: net income for the quarter was $18 million, 125% above the same quarter a year earlier.
As of June 30, 2026, Bar Harbor Bank and Trust Company reported a CET1 capital ratio of 12.72%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 4.13%. The figures come from its call report filed with the FFIEC.
Bar Harbor Bank and Trust Company ranks as the 4th largest of the 22 banks based in Maine, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $4.73B, loans rose 0.8% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.9% of total loans, followed by non-owner-occupied commercial real estate loans at 30.4%. Its 62 offices in the FDIC Summary of Deposits are in 54 cities across 3 states; its Bar Harbor office books 29% of its branch deposits. Judged on its Q2 2026 call report, Bar Harbor Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 82 Main St, Bar Harbor, ME 04609
- County
- Hancock
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 15, 1887
- Former names
- Bar Harbor Bank & Trust (2004); Bar Harbor Banking and Trust Company (1933-2004)
- Domestic offices
- 62 FDIC institution directory, current count
- Employees (FTE)
- 527
- Domestic deposits
- $3.86B
- Allowance for credit losses
- $32.2M
- Net charge-offs (YTD)
- $3.4M
- Average total assets
- $4.69B
- Average total loans
- $3.56B
- Average interest-bearing deposits
- $3.13B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11971
- Fed RSSD
- 522605
- SEC CIK
- 743367 → filed by BAR HARBOR BANKSHARES
- Website
- www.barharbor.bank →
- Parent Holding Company
- BAR HARBOR BANKSHARES (RSSD 1115385) · BHB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Curtis C Simard | CEO | PRESIDENT/CEO |
| Josephine Iannelli | CFO | EVP, CFO & TREASURER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bar Harbor Bank and Trust Company's total assets ranged from $3.96B (Q1 2024) to $4.73B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.73B total assets against $4.11B; $4.14B total liabilities against $3.60B.
$3.59B net loans and leases against $3.13B; $3.86B total deposits against $3.30B.
$601.8M securities against $528.7M; $103.1M cash and balances due against $85.8M.
$55.8M total interest income against $48.5M; $16.8M total interest expense against $18.0M.
$39.1M net interest income against $30.6M.
$11.8M total noninterest income against $9.7M; $27.8M total noninterest expense against $25.0M.
$600K provision for credit losses against $529K.
$17.6M net income against $7.8M.
1.50% return on assets against 0.76%; 3.70% net interest margin against 3.29%.
12.72% CET1 capital ratio against 12.77%; 10.49% tier 1 leverage ratio against 10.72%.
Inside the full Bar Harbor Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Bar Harbor Bank and Trust Company rankings
Its closest position to the top of a national ranking is 290 of 4,196, for total assets; its furthest is 812 of 980, for uninsured deposits.
Banks merged into Bar Harbor Bank and Trust Company
- Woodsville Guaranty Savings Bank, effective August 1, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.76% (Q2 2025) to 1.50% (Q2 2026) and its net interest margin ran from 3.20% (Q1 2025) to 3.78% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 1.50% | 0.32% | 4.13% | 3.70% |
| Q1 2026 | 12.47% | 1.34% | 0.65% | 5.03% | 3.61% |
| Q4 2025 | 12.10% | 1.19% | 0.32% | 2.55% | 3.78% |
| Q3 2025 | 11.89% | 0.96% | 0.28% | 2.25% | 3.72% |
| Q2 2025 | 12.77% | 0.76% | 0.32% | 2.48% | 3.29% |
| Q1 2025 | 12.67% | 1.14% | 0.26% | 1.99% | 3.20% |
| Q4 2024 | 12.50% | 1.29% | 0.22% | 1.76% | 3.28% |
| Q3 2024 | 13.18% | 1.37% | 0.23% | 1.68% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View all 62 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bar Harbor Bank & Trust | Bar Harbor , ME | 04609 | $1.12B |
| New London Newport Rd Branch | New London , NH | 03257 | $117.6M |
| Woodsville Branch | Woodsville , NH | 03785 | $104.9M |
| Ellsworth Branch | Ellsworth , ME | 04605 | $96.0M |
| Newport Branch | Newport , NH | 03773 | $94.7M |
| Brandon Park St | Brandon , VT | 05733 | $94.7M |
| Blue Hill Branch | Blue Hill , ME | 04614 | $81.3M |
| Grantham Branch | Grantham , NH | 03753 | $77.8M |
| Littleton Branch | Littleton , NH | 03561 | $75.9M |
| Main Street Bangor Branch | Bangor , ME | 04401 | $74.8M |
| Deer Isle Branch | Deer Isle , ME | 04627 | $73.7M |
| Sunapee Branch | Sunapee , NH | 03782 | $68.4M |
| New London Main St Branch | New London , NH | 03257 | $67.6M |
| Bradford Branch | Bradford , NH | 03221 | $66.5M |
| Randolph Main St Branch | Randolph , VT | 05060 | $65.3M |
| Southwest Harbor Branch | Southwest Harbor , ME | 04679 | $57.4M |
| Brunswick Branch | Brunswick , ME | 04011 | $55.6M |
| Peterborough Branch | Peterborough , NH | 03458 | $54.8M |
| Hillsboro Branch | Hillsboro , NH | 03244 | $53.4M |
| Heater Road Branch | Lebanon , NH | 03766 | $52.7M |
| Manchester Branch | Manchester , NH | 03101 | $52.5M |
| Woodstock Branch | Woodstock , VT | 05091 | $49.5M |
| Nashua Branch | Nashua , NH | 03060 | $48.8M |
| Franconia Branch | Franconia , NH | 03580 | $46.2M |
| West Lebanon Branch | West Lebanon , NH | 03784 | $45.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2025 | Structure Change | Acquired Woodsville Guaranty Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 14, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 14, 2017 | Structure Change | Acquired Lake Sunapee Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 11, 2012 | Structure Change | Acquired Border Trust Company Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.5% of deposits in ME, rank 10 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 27 loans, $3.1M approved, $113K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bar Harbor Bank and Trust Company
What are Bar Harbor Bank and Trust Company's total assets?
As of the Q2 2026 filing, Bar Harbor Bank and Trust Company reported total assets of $4.73 billion in its FFIEC call report.
Where is Bar Harbor Bank and Trust Company headquartered?
It is headquartered in Bar Harbor, ME, United States.
When was Bar Harbor Bank and Trust Company founded?
It was established in 1887, per the FDIC institution directory.
Is Bar Harbor Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11971). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bar Harbor Bank and Trust Company?
Bar Harbor Bank and Trust Company's primary federal regulator is the FDIC.
What is Bar Harbor Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bar Harbor Bank and Trust Company operate?
It operates 62 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bar Harbor Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 4.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bar Harbor Bank and Trust Company previously called?
The charter now named Bar Harbor Bank and Trust Company has also operated as Bar Harbor Bank & Trust (2004), Bar Harbor Banking and Trust Company (1933-2004), per FDIC structure-change records.
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