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Bar Harbor Bank & Trust
Bar Harbor, ME · FDIC Certificate #11971 · Chartered 09/1
Total assets
$4.73B
Total deposits
$3.86B
Total equity
$595.82M
Net loans
$3.59B
Branches (offices)
62
Net income (YTD)
$33.32M
Rank: #296 of 4,213 U.S. banks by assets · #4 of 22 in Maine. Assets changed 15.3% and deposits 17.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 11.40% |
| Net interest margin (YTD) | 3.66% |
| Equity to assets | 12.58% |
| Tier 1 leverage ratio | 10.49% |
| Uninsured deposits (share of deposits) | 20.1% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 93.0% |
| Real estate loans (share of loans) | 89.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.21B | 89.5% | |
| Commercial & industrial | $264.90M | 7.4% | |
| Consumer / individual | $12.67M | 0.4% | |
| Construction & development | $274.83M | 7.7% | |
| Agricultural | $13.60M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.71B | $3.09B | $21.54M | $448.60M |
| Jun 2023 | $4.02B | $3.10B | $26.61M | $463.53M |
| Jun 2024 | $4.03B | $3.15B | $23.63M | $493.70M |
| Jun 2025 | $4.11B | $3.30B | $19.58M | $503.27M |
| Jun 2026 | $4.73B | $3.86B | $33.32M | $595.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maine | $2.04B | 22 |
| New Hampshire | $1.44B | 29 |
| Vermont | $378.15M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.86B.
Similar-sized banks
First Bank & Trust ($4.78B) · Town Bank, National Association ($4.71B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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