Bar Harbor Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 172.34 percentage points higher than in Q1 2026, at 270.60%. Bar Harbor Bank and Trust Company ranks 6th of 22 Maine banks on return on assets, in the upper half at 1.50% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Bar Harbor Bank and Trust Company sits 0.22 points higher, at 1.50% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.64% |
| Tier 1 leverage ratio | 10.49% |
| Equity capital to assets | 12.58% |
| Tangible equity to tangible assets | 9.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 0.38% |
| Texas ratio | 4.26% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 270.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 11.94% |
| Net interest margin | 3.70% |
| Efficiency ratio | 53.35% |
| Yield on earning assets | 5.27% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.88% |
| Core deposits to total deposits | 89.76% |
| Brokered deposits to total deposits | 4.34% |
| Deposits to assets | 81.54% |
| Securities to assets | 12.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.61% | 12.61% | 13.60% | 10.25% | 1.25% |
| Q4 2023 | 12.96% | 12.96% | 13.97% | 10.50% | 1.19% |
| Q1 2024 | 13.09% | 13.09% | 14.10% | 10.73% | 1.16% |
| Q2 2024 | 13.12% | 13.12% | 14.12% | 10.89% | 1.20% |
| Q3 2024 | 13.18% | 13.18% | 14.17% | 10.92% | 1.37% |
| Q4 2024 | 12.50% | 12.50% | 13.44% | 10.66% | 1.29% |
| Q1 2025 | 12.67% | 12.67% | 13.61% | 10.63% | 1.14% |
| Q2 2025 | 12.77% | 12.77% | 13.72% | 10.72% | 0.76% |
| Q3 2025 | 11.89% | 11.89% | 12.84% | 10.04% | 0.96% |
| Q4 2025 | 12.10% | 12.10% | 13.08% | 9.90% | 1.19% |
| Q1 2026 | 12.47% | 12.47% | 13.47% | 10.23% | 1.34% |
| Q2 2026 | 12.72% | 12.72% | 13.64% | 10.49% | 1.50% |
Bar Harbor Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bar Harbor Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)