Bar Harbor Savings and Loan Association
BankRegReports is independent of Bar Harbor Savings and Loan Association and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bar Harbor Savings and Loan Association is an FDIC-insured savings and loan association headquartered in Bar Harbor, ME, established in 1902 (FDIC certificate 30878), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $103.2M, up 4.4% from Q2 2025, the 21st largest of 22 banks headquartered in Maine. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30878
- Headquarters
- Bar Harbor, ME
- Established
- 1902
- Total assets, Q2 2026
- $103.2M
- Assets vs Q2 2025
- +4.4%
- Tier 1 leverage ratio, Q2 2026
- 11.54%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 211273752
- Latest call report
- Q2 2026, FFIEC 051 · Bar Harbor Savings and Loan Association call report
- Asset rank in state
- 21st of 22 in Maine
Problem loans are rising at Bar Harbor Savings and Loan Association. Based in Bar Harbor, Maine, it had $103 million in assets at June 30, 2026, up 4.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.13% of loans from 1.57% a year earlier. It earns about $0.25 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.05 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
Loans are outrunning deposits: over the year loans rose 4.7% and deposits rose 1.4%. Funding is the softer spot: it pays an average of 3.85% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, Bar Harbor Savings and Loan Association reported a return on assets of 0.25%, a nonperforming-loan ratio of 2.13% and a Texas ratio of 15.03%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bar Harbor Savings and Loan Association is the 21st largest of the 22 banks headquartered in Maine. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.6% to $103.2M, loans rose 2.1% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 76.3% of total loans, ahead of construction and land development loans at 10.1%. Its one office in the FDIC Summary of Deposits is in Bar Harbor, ME. Judged on its Q2 2026 call report, Bar Harbor Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 103 Main St, Bar Harbor, ME 04609
- County
- Hancock
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $73.8M
- Allowance for credit losses
- $764K
- Net charge-offs (YTD)
- $0
- Average total assets
- $102.0M
- Average total loans
- $89.4M
- Average interest-bearing deposits
- $69.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30878
- Fed RSSD
- 106676
- Website
- www.bhsla.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bar Harbor Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bar Harbor Savings and Loan Association's total assets ranged from $98.9M (Q2 2025) to $105.2M (Q4 2023), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$103.2M total assets against $98.9M; $91.3M total liabilities against $87.0M.
$89.3M net loans and leases against $85.4M; $73.8M total deposits against $72.7M.
$4.9M securities against $4.2M; $4.2M cash and balances due against $4.8M.
$1.2M total interest income against $1.1M; $699K total interest expense against $748K.
$513K net interest income against $369K.
$25K total noninterest income against $23K; $441K total noninterest expense against $412K.
$13K provision for credit losses against -$34K.
$64K net income against $18K.
0.25% return on assets against 0.07%; 2.05% net interest margin against 1.53%.
11.54% tier 1 leverage ratio against 11.98%.
Inside the full Bar Harbor Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bar Harbor Savings and Loan Association rankings
Its closest position to the top of a national ranking is 310 of 3,640, for Texas Ratio; its furthest is 3,428 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.15% (Q3 2024) to 0.39% (Q1 2026) and its net interest margin ran from 1.07% (Q3 2024) to 2.05% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.54% | 0.25% | 2.13% | 15.03% | 2.05% |
| Q1 2026 | 11.48% | 0.39% | 1.75% | 12.20% | 2.04% |
| Q4 2025 | 11.45% | 0.23% | 1.67% | 11.67% | 1.79% |
| Q3 2025 | 11.77% | -0.63% | 1.89% | 13.00% | 1.49% |
| Q2 2025 | 11.98% | 0.07% | 1.57% | 10.76% | 1.53% |
| Q1 2025 | 11.94% | -0.07% | 1.66% | 11.32% | 1.37% |
| Q4 2024 | 12.07% | -0.48% | 1.66% | 11.40% | 1.16% |
| Q3 2024 | 11.91% | -1.15% | 1.91% | 13.20% | 1.07% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bar Harbor Savings and Loan Association (main office) | Bar Harbor , ME | 04609 | $73.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in ME, rank 26 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bar Harbor Savings and Loan Association’s latest filed figures and updates each quarter.
Similar banks
Compare Bar Harbor Savings and Loan Association with peers
Frequently asked about Bar Harbor Savings and Loan Association
What are Bar Harbor Savings and Loan Association's total assets?
As of the Q2 2026 filing, Bar Harbor Savings and Loan Association reported total assets of $103.2 million in its FFIEC call report.
Where is Bar Harbor Savings and Loan Association headquartered?
It is headquartered in Bar Harbor, ME, United States.
When was Bar Harbor Savings and Loan Association founded?
It was established in 1902, per the FDIC institution directory.
Is Bar Harbor Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #30878). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bar Harbor Savings and Loan Association?
Bar Harbor Savings and Loan Association's primary federal regulator is the FDIC.
How many branches does Bar Harbor Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bar Harbor Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 15.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Bar Harbor Savings and Loan Association.
Get an email when Bar Harbor Savings and Loan Association files its next call report, and benchmark it against any peer you choose.
Unlock Bar Harbor Savings and Loan Association, freeFree account