Bar Harbor Bank and Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 0.33% from 0.97% in the prior period. Headquartered in Bar Harbor, Bar Harbor Bank and Trust Company serves the Maine market as a community-focused commercial bank. On its most recent Q2 2026 call report, Bar Harbor Bank and Trust Company reported $4.7B in total assets against $3.9B in deposits. Returns are notably above industry norms: 1.50% ROA, 11.94% ROE, and 3.70% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 12.72% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.33%. Its footprint covers 62 branches concentrated in Maine.
As of June 30, 2026, Bar Harbor Bank and Trust Company reported a CET1 capital ratio of 12.72%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.33%, a Texas ratio of 4.26%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 82 Main St, Bar Harbor, ME 04609
- County
- Hancock
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 15, 1887
- Former names
- Bar Harbor Bank & Trust (2004); Bar Harbor Banking and Trust Company (1933-2004)
- Offices
- 62 domestic
- Employees (FTE)
- 527
- Domestic deposits
- $3.86B
- Allowance for credit losses
- $32.2M
- Net charge-offs (YTD)
- $3.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11971
- Fed RSSD
- 522605
- SEC CIK
- 743367 → filed by BAR HARBOR BANKSHARES
- Website
- www.barharbor.bank →
- Parent Holding Company
- BAR HARBOR BANKSHARES (RSSD 1115385) · BHB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Simard Curtis C | CEO | PRESIDENT/CEO |
| Iannelli Josephine | CFO | EVP, CFO & TREASURER |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bar Harbor Bank and Trust Company terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bar Harbor Bank and Trust Company, 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Bar Harbor Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 1.50% | 0.33% | 4.26% | 3.70% |
| Q1 2026 | 12.47% | 1.34% | 0.97% | 7.61% | 3.61% |
| Q4 2025 | 12.10% | 1.19% | 0.65% | 5.22% | 3.78% |
| Q3 2025 | 11.89% | 0.96% | 0.60% | 5.00% | 3.72% |
| Q2 2025 | 12.77% | 0.76% | 0.32% | 2.58% | 3.29% |
| Q1 2025 | 12.67% | 1.14% | 0.27% | 2.09% | 3.20% |
| Q4 2024 | 12.50% | 1.29% | 0.24% | 1.87% | 3.28% |
| Q3 2024 | 13.18% | 1.37% | 0.24% | 1.79% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 62 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bar Harbor Bank & Trust | Bar Harbor , ME | 04609 | $1.12B |
| New London Newport Rd Branch | New London , NH | 03257 | $117.6M |
| Woodsville Branch | Woodsville , NH | 03785 | $104.9M |
| Ellsworth Branch | Ellsworth , ME | 04605 | $96.0M |
| Newport Branch | Newport , NH | 03773 | $94.7M |
| Brandon Park St | Brandon , VT | 05733 | $94.7M |
| Blue Hill Branch | Blue Hill , ME | 04614 | $81.3M |
| Grantham Branch | Grantham , NH | 03753 | $77.8M |
| Littleton Branch | Littleton , NH | 03561 | $75.9M |
| Main Street Bangor Branch | Bangor , ME | 04401 | $74.8M |
| Deer Isle Branch | Deer Isle , ME | 04627 | $73.7M |
| Sunapee Branch | Sunapee , NH | 03782 | $68.4M |
| New London Main St Branch | New London , NH | 03257 | $67.6M |
| Bradford Branch | Bradford , NH | 03221 | $66.5M |
| Randolph Main St Branch | Randolph , VT | 05060 | $65.3M |
| Southwest Harbor Branch | Southwest Harbor , ME | 04679 | $57.4M |
| Brunswick Branch | Brunswick , ME | 04011 | $55.6M |
| Peterborough Branch | Peterborough , NH | 03458 | $54.8M |
| Hillsboro Branch | Hillsboro , NH | 03244 | $53.4M |
| Heater Road Branch | Lebanon , NH | 03766 | $52.7M |
| Manchester Branch | Manchester , NH | 03101 | $52.5M |
| Woodstock Branch | Woodstock , VT | 05091 | $49.5M |
| Nashua Branch | Nashua , NH | 03060 | $48.8M |
| Franconia Branch | Franconia , NH | 03580 | $46.2M |
| West Lebanon Branch | West Lebanon , NH | 03784 | $45.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2025 | Structure Change | Acquired Woodsville Guaranty Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 14, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 14, 2017 | Structure Change | Acquired Lake Sunapee Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 11, 2012 | Structure Change | Acquired Border Trust Company Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for Bar Harbor Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.5% of deposits in ME, rank 10 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bar Harbor Bank and Trust Company
What are Bar Harbor Bank and Trust Company's total assets?
As of the Q2 2026 filing, Bar Harbor Bank and Trust Company reported total assets of $4.73 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bar Harbor Bank and Trust Company headquartered?
Bar Harbor Bank and Trust Company is headquartered in Bar Harbor, ME, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bar Harbor Bank and Trust Company founded?
Bar Harbor Bank and Trust Company was established in 1887, per the FDIC institution directory.
Is Bar Harbor Bank and Trust Company FDIC-insured?
Yes. Bar Harbor Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #11971). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bar Harbor Bank and Trust Company?
Bar Harbor Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bar Harbor Bank and Trust Company's CET1 capital ratio?
Bar Harbor Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bar Harbor Bank and Trust Company operate?
Bar Harbor Bank and Trust Company operates 62 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bar Harbor Bank and Trust Company's Texas Ratio?
Bar Harbor Bank and Trust Company's Texas Ratio is 4.26% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Bar Harbor Bank and Trust Company previously called?
The charter now named Bar Harbor Bank and Trust Company has also operated as Bar Harbor Bank & Trust (2004), Bar Harbor Banking and Trust Company (1933-2004), per FDIC structure-change records.
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