BlastPoint's Banking Scorecard

Bar Harbor Bank & Trust

$1B-$10B Specialty: Commercial ME FDIC cert 11971

Designations: ✓ Community bank

Bar Harbor, ME

62 branches across NH · ME · VT

884 banks in the $1B-$10B peer group nationally 15 in ME

Bar Harbor Bank & Trust has 2 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 4.71% below tier average
+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.18% below tier average

Get updates when Bar Harbor Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Total Assets ?	$4.7B +15.1% YoY -0.1% QoQ	+$1.9B	$2.8B -0.1% YoY	$2.2B +5.5% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$3.6B +15.0% YoY -0.4% QoQ	+$1.6B	$2.0B +0.6% YoY	$1.7B +6.5% YoY	$3.2B +10.8% YoY	Top 14.1% in tier
Total Deposits ?	$3.9B +17.2% YoY +1.1% QoQ	+$1.5B	$2.3B -0.3% YoY	$1.7B +2.2% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.34% +16.4% YoY +30.6% QoQ	-0.02%	1.37% +19.6% YoY	0.81% +48.6% YoY	1.23% +13.4% YoY	61%
Net Interest Margin ?	3.64% +12.3% YoY +2.4% QoQ	-0.18%	3.82% +6.9% YoY	3.42% +9.8% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	56.35% -6.4% YoY -8.4% QoQ	-4.71%	61.06% -4.6% YoY	70.43% -11.2% YoY	66.95% -4.1% YoY	61%
Delinquency Rate ?	0.65% +150.5% YoY +101.9% QoQ	-0.23%	0.89% +14.1% YoY	0.56% +20.7% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	91.94% -1.9% YoY -1.5% QoQ	+7.74%	84.20% +0.3% YoY	100.20% +2.7% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	16.99% +1.0% YoY -4.7% QoQ	-4.30%	21.29% -2.5% YoY	16.54% +3.4% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.50% +150.3% YoY +101.3% QoQ	-0.18%	0.67% +15.6% YoY	0.47% +26.7% YoY	0.67% +19.3% YoY	45%
Tier 1 Capital Ratio ?	12.47% -1.6% YoY +3.1% QoQ	-2.69%	15.16% +2.0% YoY	14.56% +2.5% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.24% +10.9% YoY -71.4% QoQ	-0.01%	0.26% +1.6% YoY	0.13% +1.6% YoY	0.32% +4.1% YoY	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

126

Total Loans

size

Value: $3.56B

Peer Median: $1.96B

#126 of 884 Top 14.1% in $1B-$10B

139

Total Assets

size

Value: $4.67B

Peer Median: $2.82B

#139 of 884 Top 15.6% in $1B-$10B

140

Total Deposits

size

Value: $3.87B

Peer Median: $2.34B

#140 of 884 Top 15.7% in $1B-$10B

183

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.26%

#183 of 884 Top 20.6% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available