Bar Harbor Savings and Loan Association: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged down 0.13 percentage points between Q1 2026 and Q2 2026, to 11.60%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.54% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $11.7M |
| Tier 1 capital | $11.7M |
| Total risk-based capital | — |
| Total equity capital | $12.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.60% |
| Tangible equity to tangible assets | 11.60% |
| Equity capital to average assets | 11.74% |
| Internal capital growth rate | 2.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $12.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$133K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.26% | 11.90% | 11.90% |
| Q4 2023 | 12.12% | 11.71% | 11.71% |
| Q1 2024 | 12.18% | 11.98% | 11.98% |
| Q2 2024 | 12.12% | 11.84% | 11.84% |
| Q3 2024 | 11.91% | 11.86% | 11.86% |
| Q4 2024 | 12.07% | 11.84% | 11.84% |
| Q1 2025 | 11.94% | 11.97% | 11.97% |
| Q2 2025 | 11.98% | 12.02% | 12.02% |
| Q3 2025 | 11.77% | 11.80% | 11.80% |
| Q4 2025 | 11.45% | 11.64% | 11.64% |
| Q1 2026 | 11.48% | 11.73% | 11.73% |
| Q2 2026 | 11.54% | 11.60% | 11.60% |
Bar Harbor Savings and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bar Harbor Savings and Loan Association, freeSource: Call Report Schedule RC-R, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30878) · FFIEC NIC profile (RSSD 106676)