Bar Harbor Bank and Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 4.2% from Q1 2026 to Q2 2026, ending at -$36.9M against -$38.5M. It was the largest change among the key lines on this page. Within Maine, Bar Harbor Bank and Trust Company is 13th of 16 on CET1 ratio, 12.72% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bar Harbor Bank and Trust Company sits 0.76 points lower, at 12.72% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.64% |
| Tier 1 leverage ratio | 10.49% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $475.6M |
| Tier 1 capital | $475.6M |
| Total risk-based capital | $510.1M |
| Total equity capital | $595.8M |
| Risk-weighted assets | $3.74B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.58% |
| Tangible equity to tangible assets | 9.59% |
| Equity capital to average assets | 12.70% |
| Internal capital growth rate | 6.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $297.1M |
| Retained earnings | $334.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$36.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.61% | 12.61% | 13.60% | 10.25% | $3.20B |
| Q4 2023 | 12.96% | 12.96% | 13.97% | 10.50% | $3.16B |
| Q1 2024 | 13.09% | 13.09% | 14.10% | 10.73% | $3.18B |
| Q2 2024 | 13.12% | 13.12% | 14.12% | 10.89% | $3.24B |
| Q3 2024 | 13.18% | 13.18% | 14.17% | 10.92% | $3.28B |
| Q4 2024 | 12.50% | 12.50% | 13.44% | 10.66% | $3.37B |
| Q1 2025 | 12.67% | 12.67% | 13.61% | 10.63% | $3.36B |
| Q2 2025 | 12.77% | 12.77% | 13.72% | 10.72% | $3.36B |
| Q3 2025 | 11.89% | 11.89% | 12.84% | 10.04% | $3.72B |
| Q4 2025 | 12.10% | 12.10% | 13.08% | 9.90% | $3.72B |
| Q1 2026 | 12.47% | 12.47% | 13.47% | 10.23% | $3.73B |
| Q2 2026 | 12.72% | 12.72% | 13.64% | 10.49% | $3.74B |
Bar Harbor Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bar Harbor Bank and Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bar Harbor Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11971) · FFIEC NIC profile (RSSD 522605)