Bar Harbor Savings and Loan Association: 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: Cost of interest-bearing deposits edged down 0.18 percentage points between Q1 2026 and Q2 2026, to 3.05%. Bar Harbor Savings and Loan Association has the 1st lowest net interest margin of the 22 banks headquartered in Maine, at 2.05% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bar Harbor Savings and Loan Association sits 1.90 points lower, at 2.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | 5.02% |
| Yield on securities | 2.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.85% |
| Cost of interest-bearing deposits | 3.05% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.05% |
| Yield to cost spread | 1.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $699K |
| Interest expense on deposits | $541K |
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 | 3.53% | 3.12% | 1.04% | 4.22% | -0.76% |
| Q4 2023 | 3.80% | 3.59% | 0.92% | 4.37% | 1.46% |
| Q1 2024 | 3.96% | 3.65% | 0.89% | 4.49% | 1.53% |
| Q2 2024 | 3.97% | 3.80% | 0.86% | 4.50% | 1.84% |
| Q3 2024 | 4.49% | 3.97% | 1.07% | 4.69% | 2.18% |
| Q4 2024 | 4.41% | 3.78% | 1.16% | 4.69% | 2.32% |
| Q1 2025 | 4.41% | 3.42% | 1.37% | 4.71% | 2.36% |
| Q2 2025 | 4.62% | 3.48% | 1.53% | 4.81% | 2.35% |
| Q3 2025 | 4.65% | 3.52% | 1.49% | 4.81% | 2.32% |
| Q4 2025 | 4.80% | 3.41% | 1.79% | 4.96% | 2.36% |
| Q1 2026 | 4.90% | 3.93% | 2.04% | 5.09% | 2.55% |
| Q2 2026 | 4.84% | 3.85% | 2.05% | 5.02% | 2.60% |
Bar Harbor Savings and Loan Association 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 Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30878) · FFIEC NIC profile (RSSD 106676)