Bar Harbor Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 3.70%. Within Maine, Bar Harbor Bank and Trust Company is 8th of 22 on net interest margin, 3.70% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Bar Harbor Bank and Trust Company reported 3.70% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 5.53% |
| Yield on securities | 3.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 1.83% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $49.1M |
| Total interest expense | $16.8M |
| Interest expense on deposits | $14.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.96% | 1.73% | 3.33% | 5.19% | 3.72% |
| Q4 2023 | 5.08% | 1.89% | 3.32% | 5.32% | 3.71% |
| Q1 2024 | 5.09% | 1.98% | 3.23% | 5.31% | 3.83% |
| Q2 2024 | 5.17% | 2.12% | 3.18% | 5.41% | 3.89% |
| Q3 2024 | 5.24% | 2.15% | 3.23% | 5.52% | 3.74% |
| Q4 2024 | 5.17% | 2.03% | 3.28% | 5.44% | 3.68% |
| Q1 2025 | 5.09% | 2.01% | 3.20% | 5.35% | 3.71% |
| Q2 2025 | 5.21% | 2.05% | 3.29% | 5.47% | 3.82% |
| Q3 2025 | 5.42% | 1.80% | 3.72% | 5.66% | 4.17% |
| Q4 2025 | 5.39% | 1.71% | 3.78% | 5.66% | 3.94% |
| Q1 2026 | 5.19% | 1.67% | 3.61% | 5.44% | 3.88% |
| Q2 2026 | 5.27% | 1.67% | 3.70% | 5.53% | 3.92% |
Bar Harbor Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bar Harbor Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)