BlastPoint's Banking Scorecard

Bar Harbor Savings and Loan Association

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

Designations: ✓ Mutual

Bar Harbor, ME

2664 banks in the $100M-$1B peer group nationally 6 in ME

Bar Harbor Savings and Loan Association faces 7 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 7.1% in tier
- Net Interest Margin 1.85% below tier average
- Efficiency Ratio 21.14% above tier average
- Loan-to-Deposit Ratio 41.42% above tier average
- Non-Interest-Bearing Deposit Share 18.00% below tier average
- Non-Interest Income / Assets 0.27% below tier average
- ROA 0.88% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Total Assets ?	$101.6M +2.6% YoY -0.1% QoQ	-$284.5M	$386.1M +0.5% YoY	$2.2B +5.5% YoY	$6.2B +9.1% YoY	Bottom 0.7% in tier
Total Loans ?	$87.4M +2.9% YoY +0.1% QoQ	-$168.3M	$255.7M +1.1% YoY	$1.7B +6.5% YoY	$3.2B +10.8% YoY	Bottom 14.6% in tier
Total Deposits ?	$74.0M +1.5% YoY +0.8% QoQ	-$253.9M	$328.0M +0.1% YoY	$1.7B +2.2% YoY	$4.8B +8.2% YoY	Bottom 0.7% in tier
Return on Assets ?	0.39% +675.4% YoY +509.2% QoQ	-0.88%	1.27% +12.9% YoY	0.81% +48.6% YoY	1.23% +13.4% YoY	Bottom 10.5% in tier
Net Interest Margin ?	2.08% +45.1% YoY +31.5% QoQ	-1.85%	3.93% +6.0% YoY	3.42% +9.8% YoY	3.89% +5.7% YoY	Bottom 1.1% in tier
Efficiency Ratio ?	86.42% -23.6% YoY -16.5% QoQ	+21.14%	65.29% -4.5% YoY	70.43% -11.2% YoY	66.95% -4.1% YoY	Bottom 9.2% in tier
Delinquency Rate ?	1.77% +5.8% YoY +4.8% QoQ	+0.88%	0.89% +18.8% YoY	0.56% +20.7% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	118.06% +1.3% YoY -0.7% QoQ	+41.42%	76.64% +0.8% YoY	100.20% +2.7% YoY	76.70% +0.9% YoY	Bottom 1.2% in tier
Non-Interest-Bearing Deposit Share ?	4.02% -6.2% YoY -14.8% QoQ	-18.00%	22.02% -1.0% YoY	16.54% +3.4% YoY	22.01% -1.2% YoY	Bottom 2.7% in tier
Nonperforming Asset Ratio ?	1.52% +6.1% YoY +4.9% QoQ	+0.88%	0.64% +19.7% YoY	0.47% +26.7% YoY	0.67% +19.3% YoY	Bottom 11.3% in tier
Tier 1 Capital Ratio ?	11.48% -3.9% YoY +0.2% QoQ	-4.35%	15.83% +1.5% YoY	14.56% +2.5% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.01% -53.0% YoY -84.4% QoQ	-0.27%	0.28% +9.3% YoY	0.13% +1.6% YoY	0.32% +4.1% YoY	Bottom 2.4% in tier

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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 (1)

Credit Risk Growth

risk

#70 of 973 • Bottom 7.1% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (11 metrics)

2647

Total Deposits

size

Value: $74.03M

Peer Median: $327.97M

#2647 of 2664 Bottom 0.7% in $100M-$1B

2647

Total Assets

size

Value: $101.59M

Peer Median: $386.08M

#2647 of 2664 Bottom 0.7% in $100M-$1B

2637

Net Interest Margin

profitability

Value: 2.08%

Peer Median: 3.93%

#2637 of 2664 Bottom 1.1% in $100M-$1B

2633

Loan-to-Deposit Ratio

liquidity

Value: 118.06%

Peer Median: 76.64%

#2633 of 2664 Bottom 1.2% in $100M-$1B

2601

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2601 of 2664 Bottom 2.4% in $100M-$1B

2592

Non-Interest-Bearing Deposit Share

funding

Value: 4.02%

Peer Median: 22.02%

#2592 of 2664 Bottom 2.7% in $100M-$1B

2420

Efficiency Ratio

profitability

Value: 86.42%

Peer Median: 65.29%

#2420 of 2664 Bottom 9.2% in $100M-$1B

2386

Return on Assets

profitability

Value: 0.39%

Peer Median: 1.27%

#2386 of 2664 Bottom 10.5% in $100M-$1B

2363

Nonperforming Asset Ratio

credit_quality

Value: 1.52%

Peer Median: 0.64%

#2363 of 2664 Bottom 11.3% in $100M-$1B

2277

Total Loans

size

Value: $87.40M

Peer Median: $255.72M

#2277 of 2664 Bottom 14.6% in $100M-$1B