Bar Harbor Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bar Harbor Bank and Trust Company of Bar Harbor, ME against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.50% | 1.44% | +0.06% | 66th above |
| ROAE | 11.94% | 12.50% | -0.56% | 48th below |
| Net Interest Margin | 3.70% | 3.84% | -0.14% | 49th below |
| Efficiency Ratio | 53.35% | 58.88% | -5.53% | 64th above |
| PPNR / Avg Assets | 1.96% | 1.78% | +0.18% | 66th above |
| Yield on Earning Assets | 5.27% | 5.71% | -0.44% | 33rd below |
| Cost of Funds | 1.67% | 2.03% | -0.36% | 72nd above |
| Net Interest Spread | 3.29% | 3.18% | +0.11% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.96% | -0.63% | 70th above |
| NPA / Total Assets | 0.42% | 0.75% | -0.33% | 55th above |
| NCO / Avg Loans | 0.38% | 0.31% | +0.07% | 12th bottom |
| ACL / Total Loans | 0.89% | 1.25% | -0.36% | 19th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 270.60% | 699.31% | -428.71% | 67th above |
| Texas Ratio | 4.26% | 7.16% | -2.90% | 54th above |
| Provision / NCO | 45.10% | 815.55% | -770.45% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.72% | 17.41% | -4.69% | 37th below |
| Tier 1 Ratio | 12.72% | 17.45% | -4.73% | 37th below |
| Total Capital Ratio | 13.64% | 18.51% | -4.87% | 33rd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.49% | 11.60% | -1.11% | 50th above |
| Equity / Assets | 12.58% | 11.33% | +1.25% | 82nd top |
| TCE / Tangible Assets | 9.59% | 10.65% | -1.06% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.88% | 86.34% | +7.54% | 33rd below |
| Core Deposit Ratio | 89.76% | 85.55% | +4.21% | 57th above |
| Uninsured Deposit Ratio | 20.11% | 32.72% | -12.61% | 83rd top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.81% | 5.45% | -0.64% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.29% | 10.45% | +4.84% | 87th top |
| Loan Growth (Y/Y) | 14.86% | 7.98% | +6.88% | 86th top |
| Deposit Growth (Y/Y) | 17.02% | 7.97% | +9.05% | 88th top |
See Bar Harbor Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bar Harbor Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bar Harbor Bank and Trust Company profile, how to read a UBPR, or how this data updates.