| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.3% | +5.5% | +9.8 pts |
| Deposit growth (YoY) | +17.0% | +5.1% | +12.0 pts |
| Loan growth (YoY) | +14.9% | +5.9% | +9.0 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 11.4% | 12.2% | -0.8 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.73B | $3.86B | $3.59B | $595.8M | $33.3M | 1.42% | 3.66% | 0.41% |
| Q1 2026 | $4.67B | $3.87B | $3.56B | $584.3M | $15.7M | 1.34% | 3.64% | 0.50% |
| Q4 2025 | $4.68B | $3.83B | $3.58B | $573.3M | $44.5M | 1.03% | 3.56% | 0.25% |
| Q3 2025 | $4.71B | $3.96B | $3.56B | $561.6M | $30.5M | 0.96% | 3.44% | 0.21% |
| Q2 2025 | $4.11B | $3.30B | $3.13B | $503.3M | $19.6M | 0.96% | 3.28% | 0.25% |
| Q1 2025 | $4.06B | $3.31B | $3.10B | $500.7M | $11.7M | 1.15% | 3.24% | 0.20% |
| Q4 2024 | $4.08B | $3.27B | $3.12B | $493.1M | $50.7M | 1.26% | 3.25% | 0.17% |
| Q3 2024 | $4.03B | $3.27B | $3.05B | $513.5M | $37.6M | 1.26% | 3.25% | 0.18% |
Loan mix (Q2 2026): real estate $3.21B · commercial $264.9M · consumer $12.7M · securities $601.8M
| Ratio | Bar Harbor Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.2% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 59.0% | 38th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bar Harbor Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bar Harbor Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bar Harbor Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bar Harbor Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bar Harbor Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
54 branches in 14 counties across 3 states (+0 vs 2024) · $3.30B branch deposits. Biggest market: Hancock, ME, ranked 1st with 46.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hancock, ME | 8 | $1.47B | 46.71% | 1st |
| Merrimack, NH | 6 | $316.6M | 4.38% | 7th |
| Sullivan, NH | 4 | $256.2M | 22.92% | 2nd |
| 11 more counties with Pro → | ||||
Maine: 10th with 3.33% · New Hampshire: 16th with 1.67% · Vermont: 17th with 1.59% · Manchester-Nashua metro: 16th, 1.24% · Bangor metro: 7th, 3.50% ·
Branch count: 2022 54 · 2023 54 · 2024 54 · 2025 54