Bar Harbor Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 40.7% higher than in Q1 2026, at $224.0M. Within Maine, Bar Harbor Bank and Trust Company is 16th of 22 on loan-to-deposit ratio, 93.88% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bar Harbor Bank and Trust Company sits 5.68 points higher, at 93.88% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $103.1M |
| Cash and noninterest-bearing balances to assets | 2.18% |
| Cash and securities | $704.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.5M |
| Other borrowed money | $224.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.88% |
| Net loans and leases to deposits | 93.05% |
| Loans and leases to core deposits | 99.77% |
| Core deposits to total deposits | 89.76% |
| Brokered deposits to total deposits | 4.34% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 95.12% | 88.96% | $9.5M | $297.6M |
| Q4 2023 | 95.31% | 88.14% | $8.5M | $262.6M |
| Q1 2024 | 96.08% | 86.17% | $8.2M | $261.3M |
| Q2 2024 | 97.48% | 85.82% | $9.8M | $319.6M |
| Q3 2024 | 94.29% | 86.10% | $7.1M | $179.1M |
| Q4 2024 | 96.14% | 86.48% | $7.1M | $242.9M |
| Q1 2025 | 94.56% | 86.25% | $6.0M | $194.0M |
| Q2 2025 | 95.64% | 85.46% | $5.0M | $251.5M |
| Q3 2025 | 90.64% | 88.05% | $7.6M | $132.3M |
| Q4 2025 | 94.18% | 90.04% | $4.8M | $212.0M |
| Q1 2026 | 92.83% | 89.78% | $3.1M | $159.2M |
| Q2 2026 | 93.88% | 89.76% | $3.5M | $224.0M |
Bar Harbor Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bar Harbor Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)