BlastPoint's Banking Scorecard
Bar Harbor Bank & Trust
Designations: ✓ Community bank
Bar Harbor, ME
62 branches across NH · ME · VT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in ME.
- Deposits +17.0% year over year ($3.9B on the books).
- Delinquency rate 0.32%.
- Return on assets 1.42%.
- Efficiency ratio 54.98% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.05% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bar Harbor Bank & Trust has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.74% below tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.7B
+15.3% YoY
+1.3% QoQ
|
+$1.9B |
$2.8B
-0.6% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
85% |
| Total Loans ? |
$3.6B
+14.9% YoY
+0.8% QoQ
|
+$1.6B |
$2.0B
-0.3% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Top 13.8% in tier |
| Total Deposits ? |
$3.9B
+17.0% YoY
-0.4% QoQ
|
+$1.5B |
$2.3B
-0.5% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
85% |
| Return on Assets ? |
1.42%
+47.9% YoY
+5.7% QoQ
|
+0.03% |
1.39%
+17.0% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
3.66%
+11.7% YoY
+0.6% QoQ
|
-0.21% |
3.87%
+6.2% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
54.98%
-9.8% YoY
-2.4% QoQ
|
-4.74% |
59.73%
-12.6% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? |
0.32%
-2.2% YoY
-51.4% QoQ
|
-0.55% |
0.87%
+11.7% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
93.05%
-1.8% YoY
+1.2% QoQ
|
+8.01% |
85.04%
-0.1% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
17.74%
+4.6% YoY
+4.4% QoQ
|
-3.54% |
21.27%
-1.5% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.41%
+67.2% YoY
-17.0% QoQ
|
-0.26% |
0.67%
+11.7% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
12.72%
-0.4% YoY
+2.0% QoQ
|
-2.12% |
14.84%
-0.4% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.49%
+8.2% YoY
+101.4% QoQ
|
-0.04% |
0.53%
+2.5% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
80% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.7%
+0.8pp YoY +0.7pp QoQ |
-3.6pp | 21.4% | 16.8% | 22.2% | 38% |
| Brokered Deposits |
4.3%
-3.9pp YoY 0.0pp QoQ |
-5.1pp | 9.5% | 12.9% | 8.5% | 44% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.4%
+0.3pp YoY +0.4pp QoQ |
-6.6pp | 14.0% | 8.7% | 12.5% | 30% |
| CRE |
56.6%
-1.9pp YoY +0.2pp QoQ |
+6.6pp | 50.0% | 38.6% | 41.4% | 68% |
| 1-4 Family |
32.1%
+2.1pp YoY -0.4pp QoQ |
+5.7pp | 26.4% | 49.6% | 31.3% | 70% |
| Consumer |
0.4%
+0.1pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 1.9% | 5.0% | 25% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.7%
0.0pp YoY +0.2pp QoQ |
-2.9pp | 15.6% | 15.4% | 19.7% | 37% |
| Leverage Ratio |
10.5%
-0.2pp YoY +0.3pp QoQ |
-0.8pp | 11.3% | 11.6% | 12.6% | 50% |
| Total Capital Ratio |
13.6%
-0.1pp YoY +0.2pp QoQ |
-3.1pp | 16.7% | 16.4% | 20.8% | 33% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
527
+74 (+16.3%) YoY -2 (-0.4%) QoQ |
+213 | 313 | 259 | 482 | 85% |
| Assets per Employee ($) |
$9.0M
-0.9% YoY +1.7% QoQ |
-$1.5M | $10.5M | $8.5M | $8.8M | 54% |
| Branch Count |
62
+8 (+14.8%) YoY 0 QoQ |
+42 | 20 | 18 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.3%
0.0pp YoY -0.3pp QoQ |
-0.5pp | 0.8% | 0.6% | 1.0% | 33% |
| Allowance Coverage |
2.82x
-0.7% YoY +91.7% QoQ |
-15.89x | 18.71x | 7.67x | 20.23x | 61% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.4%
+3.6pp YoY +0.6pp QoQ |
-1.2pp | 12.6% | 8.8% | 11.6% | 44% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 2.0% | 1.7% | 28% |
| Net Income ($, YTD) |
$33.3M
+70.2% YoY — QoQ |
+$14.1M | $19.2M | $12.8M | $40.4M | 84% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.