Bar Harbor Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 4.70 percentage points higher than in Q1 2026, at 54.12%. Bar Harbor Bank and Trust Company ranks 16th of 22 Maine banks on loan-to-deposit ratio, in the lower half at 93.88% (Q2 2026). 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.62B |
| Net loans and leases | $3.59B |
| Loans held for sale | $10.2M |
| Loans to total assets | 76.55% |
| Loan-to-deposit ratio | 93.88% |
| Net loans to equity capital | 6.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.39% |
| Multifamily (5+ residential) | 9.16% |
| Commercial and industrial | 7.31% |
| Consumer | 0.35% |
| Credit cards | 0.02% |
| Farm | 0.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 336.14% |
| Construction concentration (Tier 1 capital + allowance) | 54.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $49.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.99B | $3.15B | 41.34% | 6.79% | 0.26% |
| Q4 2023 | $3.00B | $3.15B | 41.37% | 7.29% | 0.26% |
| Q1 2024 | $3.01B | $3.14B | 41.84% | 6.65% | 0.25% |
| Q2 2024 | $3.07B | $3.15B | 41.65% | 7.10% | 0.27% |
| Q3 2024 | $3.08B | $3.27B | 42.24% | 6.78% | 0.26% |
| Q4 2024 | $3.15B | $3.27B | 42.28% | 6.76% | 0.26% |
| Q1 2025 | $3.13B | $3.31B | 42.63% | 6.67% | 0.25% |
| Q2 2025 | $3.16B | $3.30B | 42.31% | 6.98% | 0.26% |
| Q3 2025 | $3.59B | $3.96B | 39.24% | 6.82% | 0.41% |
| Q4 2025 | $3.61B | $3.83B | 40.23% | 6.15% | 0.40% |
| Q1 2026 | $3.60B | $3.87B | 39.41% | 6.88% | 0.38% |
| Q2 2026 | $3.62B | $3.86B | 39.39% | 7.31% | 0.35% |
Bar Harbor Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bar Harbor Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)