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Bar Harbor Savings and Loan Association

$100M-$1B Specialty: Mortgage ME FDIC cert 30878

Designations: ✓ Mutual

Bar Harbor, ME

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 6 in ME.
  • Deposits +1.4% year over year ($73.8M on the books).
  • Delinquency rate 2.14%.
  • Return on assets 0.32%.
  • Efficiency ratio 84.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 121.01% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 6 in ME
View $100M-$1B leaderboard (ME) →

Bar Harbor Savings and Loan Association faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 46.1% in tier
  • - Return on Assets 1.00% below tier average
  • - Net Interest Margin 1.91% below tier average
  • - Efficiency Ratio 19.69% above tier average
  • - Loan-to-Deposit Ratio 43.06% above tier average
  • - Non-Interest-Bearing Deposit Share 18.27% below tier average
  • - Nonperforming Asset Ratio 1.19% above tier average
  • - Non-Interest Income / Assets 0.53% below tier average
Get updates when Bar Harbor Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Total Assets ? $103.2M
+4.4% YoY +1.6% QoQ
-$283.3M $386.6M
+1.2% YoY
$2.2B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 0.6% in tier
Total Loans ? $89.3M
+4.6% YoY +2.1% QoQ
-$169.1M $258.3M
+1.7% YoY
$1.7B
+7.1% YoY
$3.2B
+9.4% YoY
Bottom 14.5% in tier
Total Deposits ? $73.8M
+1.4% YoY -0.3% QoQ
-$253.0M $326.7M
+0.7% YoY
$1.7B
+2.6% YoY
$4.9B
+7.3% YoY
Bottom 0.7% in tier
Return on Assets ? 0.32%
-18.4% QoQ
-1.00% 1.32%
+10.8% YoY
0.97%
+42.0% YoY
1.30%
+12.1% YoY
Bottom 7.8% in tier
Net Interest Margin ? 2.08%
+39.3% YoY -0.1% QoQ
-1.91% 3.99%
+5.0% YoY
3.45%
+9.6% YoY
3.95%
+4.9% YoY
Bottom 1.1% in tier
Efficiency Ratio ? 84.17%
-22.8% YoY -2.6% QoQ
+19.69% 64.48%
-3.2% YoY
70.51%
-8.6% YoY
70.05%
+2.5% YoY
Bottom 9.7% in tier
Delinquency Rate ? 2.14%
+35.3% YoY +21.2% QoQ
+1.23% 0.92%
+15.7% YoY
0.57%
+7.0% YoY
0.98%
+16.3% YoY
Bottom 11.5% in tier
Loan-to-Deposit Ratio ? 121.01%
+3.1% YoY +2.5% QoQ
+43.06% 77.95%
+1.0% YoY
101.71%
+3.8% YoY
79.03%
+2.3% YoY
Bottom 1.2% in tier
Non-Interest-Bearing Deposit Share ? 3.76%
+3.9% YoY -6.3% QoQ
-18.27% 22.03%
-0.6% YoY
16.78%
+2.2% YoY
21.98%
-0.6% YoY
Bottom 2.7% in tier
Nonperforming Asset Ratio ? 1.85%
+35.5% YoY +21.8% QoQ
+1.19% 0.67%
+16.4% YoY
0.49%
+14.6% YoY
0.69%
+15.8% YoY
Bottom 8.4% in tier
Tier 1 Capital Ratio ? 11.54%
-3.7% YoY +0.6% QoQ
-4.37% 15.91%
+1.4% YoY
14.51%
+1.8% YoY
17.09%
+0.8% YoY
29%
Non-Interest Income / Assets ? 0.04%
-28.1% YoY +174.1% QoQ
-0.53% 0.57%
+7.6% YoY
0.26%
-0.2% YoY
0.66%
+5.2% YoY
Bottom 3.7% in tier

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 3.8%
+0.1pp YoY
-0.3pp QoQ
 -18.4pp 22.1% 16.8% 22.2% 2%
Brokered Deposits 5.1%
+1.5pp YoY
-0.5pp QoQ
 -2.8pp 7.9% 12.9% 8.5% 53%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
C&I n/a n/a 11.6% 8.7% 12.5% n/a
CRE 23.2%
+1.4pp YoY
-0.7pp QoQ
 -16.3pp 39.5% 38.6% 41.4% 23%
1-4 Family 76.9%
-1.8pp YoY
+0.1pp QoQ
 +44.3pp 32.6% 49.6% 31.3% 96%
Consumer 0.7%
+0.5pp YoY
+0.6pp QoQ
 -3.4pp 4.1% 1.9% 5.0% 21%

Capital

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 11.5%
-0.4pp YoY
+0.1pp QoQ
 -0.6pp 12.2% 11.6% 12.6% 58%
Total Capital Ratio n/a n/a 19.9% 16.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Full-Time Employees 8
+1 (+14.3%) YoY
0 QoQ
 -51 58 259 482 0%
Assets per Employee ($) $12.9M
-8.7% YoY
+1.6% QoQ
 +$5.4M $7.5M $8.5M $8.8M 94%
Branch Count 1
0 YoY
0 QoQ
 -4 4 18 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 2.1%
+0.6pp YoY
+0.4pp QoQ
 +1.2pp 0.9% 0.6% 1.0% 89%
Allowance Coverage 0.40x
-20.3% YoY
-17.8% QoQ
 -23.75x 24.15x 7.67x 20.23x 6%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
ROE 2.8%
+2.7pp YoY
-0.6pp QoQ
 -9.4pp 12.2% 8.8% 11.6% 8%
Cost of Funds (YTD) 2.9%
-0.3pp YoY
0.0pp QoQ
 +1.2pp 1.7% 2.0% 1.7% 96%
Net Income ($, YTD) $164,000
+16300.0% YoY
— QoQ
 -$2.4M $2.6M $12.8M $40.4M 5%

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 (1)

Credit Risk Growth

risk
#433 of 936 • Bottom 46.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (11 metrics)

2627
Total Assets
size
Value: $103.23M
Peer Median: $386.57M
#2627 of 2643 Bottom 0.6% in $100M-$1B
2626
Total Deposits
size
Value: $73.78M
Peer Median: $326.73M
#2626 of 2643 Bottom 0.7% in $100M-$1B
2616
Net Interest Margin
profitability
Value: 2.08%
Peer Median: 3.99%
#2616 of 2643 Bottom 1.1% in $100M-$1B
2612
Loan-to-Deposit Ratio
liquidity
Value: 121.01%
Peer Median: 77.95%
#2612 of 2643 Bottom 1.2% in $100M-$1B
2573
Non-Interest-Bearing Deposit Share
funding
Value: 3.76%
Peer Median: 22.03%
#2573 of 2643 Bottom 2.7% in $100M-$1B
2546
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2546 of 2643 Bottom 3.7% in $100M-$1B
2439
Return on Assets
profitability
Value: 0.32%
Peer Median: 1.32%
#2439 of 2643 Bottom 7.8% in $100M-$1B
2421
Nonperforming Asset Ratio
credit_quality
Value: 1.85%
Peer Median: 0.67%
#2421 of 2643 Bottom 8.4% in $100M-$1B
2387
Efficiency Ratio
profitability
Value: 84.17%
Peer Median: 64.48%
#2387 of 2643 Bottom 9.7% in $100M-$1B
2332
Delinquency Rate
credit_quality
Value: 2.14%
Peer Median: 0.92%
#2332 of 2633 Bottom 11.5% in $100M-$1B
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