Bar Harbor Savings and Loan Association
Total assets
$103.2M
▲ +4.4% YoY
Deposits
$73.8M
▲ +1.4% YoY
Loans
$89.3M
▲ +4.6% YoY
Offices
1
ROA (annualized)
0.32%
peers 1.24%
ROE (annualized)
2.75%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +4.6% | +5.6% | -1.0 pts |
| ROA | 0.32% | 1.24% | -0.9 pts |
| ROE | 2.8% | 11.9% | -9.1 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
Profile
- Established
- 1902
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Mortgage Lending Specialization
- Address
- 103 Main St, Bar Harbor, ME, 04609
- County
- Hancock
- Offices
- 1
- FDIC cert #
- 30878
- RSSD ID
- 106676
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.2M | $73.8M | $89.3M | $12.0M | $164K | 0.32% | 2.08% | 1.85% |
| Q1 2026 | $101.6M | $74.0M | $87.4M | $11.9M | $100K | 0.39% | 2.08% | 1.52% |
| Q4 2025 | $101.7M | $73.5M | $87.3M | $11.8M | $-96K | -0.10% | 1.58% | 1.45% |
| Q3 2025 | $99.6M | $73.4M | $85.5M | $11.8M | $-155K | -0.21% | 1.50% | 1.64% |
| Q2 2025 | $98.9M | $72.7M | $85.4M | $11.9M | $1K | 0.00% | 1.49% | 1.37% |
| Q1 2025 | $99.0M | $72.9M | $85.0M | $11.8M | $-17K | -0.07% | 1.43% | 1.43% |
| Q4 2024 | $99.8M | $75.8M | $85.3M | $11.8M | $-532K | -0.52% | 1.05% | 1.43% |
| Q3 2024 | $101.1M | $76.2M | $87.1M | $12.0M | $-412K | -0.53% | 1.00% | 1.66% |
Loan mix (Q2 2026): real estate $89.4M · commercial $0 · consumer $638K · securities $4.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.08% | 3.96% | 1th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 62.9% | 89th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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