Bar Harbor Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 3.64 percentage points lower than in Q1 2026, at 72.56%. On loan-to-deposit ratio, Bar Harbor Savings and Loan Association ranks 2nd highest among the 22 banks headquartered in Maine, at 122.05% (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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $90.0M |
| Net loans and leases | $89.3M |
| Loans held for sale | $0 |
| Loans to total assets | 87.22% |
| Loan-to-deposit ratio | 122.05% |
| Net loans to equity capital | 7.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.80% |
| Multifamily (5+ residential) | 0.14% |
| Commercial and industrial | 0.00% |
| Consumer | 0.71% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.32% |
| Construction concentration (Tier 1 capital + allowance) | 72.56% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.02% |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $86.3M | $73.8M | 13.75% | 0.00% | 0.23% |
| Q4 2023 | $86.6M | $73.9M | 14.27% | 0.00% | 0.12% |
| Q1 2024 | $87.9M | $75.0M | 12.68% | 0.00% | 0.12% |
| Q2 2024 | $88.2M | $76.6M | 12.61% | 0.00% | 0.20% |
| Q3 2024 | $87.8M | $76.2M | 12.62% | 0.00% | 0.19% |
| Q4 2024 | $86.0M | $75.8M | 12.60% | 0.00% | 0.20% |
| Q1 2025 | $85.7M | $72.9M | 12.49% | 0.00% | 0.18% |
| Q2 2025 | $86.0M | $72.7M | 12.29% | 0.00% | 0.20% |
| Q3 2025 | $86.2M | $73.4M | 12.50% | 0.00% | 0.16% |
| Q4 2025 | $88.1M | $73.5M | 12.40% | 0.00% | 0.16% |
| Q1 2026 | $88.2M | $74.0M | 12.80% | 0.00% | 0.11% |
| Q2 2026 | $90.0M | $73.8M | 12.80% | 0.00% | 0.71% |
Bar Harbor Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bar Harbor Savings and Loan Association, freeSource: Call Report Schedule RC-C, 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)