Bar Harbor Savings and Loan Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.84 percentage points higher than in Q1 2026, at 147.03%. Among 22 Maine banks, Bar Harbor Savings and Loan Association sits 2nd from the top on loan-to-deposit ratio, 122.05% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Bar Harbor Savings and Loan Association reported 122.05% on loan-to-deposit ratio in Q2 2026, 41.21 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $9.1M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 1.83% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $17.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 16.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.05% |
| Net loans and leases to deposits | 121.01% |
| Loans and leases to core deposits | 147.03% |
| Core deposits to total deposits | 78.26% |
| Brokered deposits to total deposits | 5.09% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 116.93% | 78.08% | $0 | $17.4M |
| Q4 2023 | 117.24% | 79.73% | $0 | $18.5M |
| Q1 2024 | 117.19% | 77.99% | $0 | $15.1M |
| Q2 2024 | 115.12% | 76.69% | $0 | $13.7M |
| Q3 2024 | 115.11% | 77.08% | $0 | $12.3M |
| Q4 2024 | 113.57% | 77.37% | $0 | $11.7M |
| Q1 2025 | 117.47% | 80.70% | $0 | $13.9M |
| Q2 2025 | 118.30% | 80.16% | $0 | $13.9M |
| Q3 2025 | 117.54% | 80.28% | $0 | $14.2M |
| Q4 2025 | 119.97% | 81.12% | $0 | $16.0M |
| Q1 2026 | 119.07% | 78.22% | $0 | $15.3M |
| Q2 2026 | 122.05% | 78.26% | $0 | $17.1M |
Bar Harbor Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bar Harbor Savings and Loan Association, freeSource: Call Report Schedules RC and RC-M, 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)