Bar Harbor Bank & Trust
Bar Harbor, Maine, Hancock County
$4.7B in total assets, the 305th largest of 4,309 US banks and 4th of 22 headquartered in Maine.
- FDIC certificate
- 11971
- Established
- 1887
- Owned by
- Bar Harbor Bankshares
- Primary regulator
- FDIC
- Website
- www.barharbor.bank
At a glance
Compared with 14 banks headquartered in Maine with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.7B | 79% | $2.2B | |
| Loans | $3.6B | 79% | $1.7B | |
| Deposits | $3.9B | 86% | $1.6B | |
| Return on assets | 1.27% | 79% | 0.99% | |
| Net interest margin | 3.66% | 79% | 3.39% | |
| Efficiency ratio | 55.0% | 21% | 67.9% | |
| Equity to assets | 12.58% | 86% | 10.55% | |
| Loans to deposits | 94% | 29% | 104% |
Growth
Total assets grew 5.4% a year over the last 5 years and 10.9% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2025 | Woodsville Guaranty Savings Bank Woodsville, NH | $669M |
| Jan 2017 | Lake Sunapee Bank, FSB Newport, NH | $1.6B |
Where they operate
62 branches in 15 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hancock County, ME | $1.5B | 53.7% | 1 of 8 |
| Grafton County, NH | $559M | 13.8% | 3 of 13 |
| Merrimack County, NH | $320M | 5.5% | 6 of 17 |
| Hillsborough County, NH | $282M | 1.8% | 9 of 24 |
| Sullivan County, NH | $264M | 24.4% | 2 of 6 |
| Penobscot County, ME | $238M | 4.8% | 6 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 47 branches since 2016 (15 to 62, +313.3%). 11 opened, 44 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 15 | |||
| 2016 | Closed Augusta | 0 | 1 | −1 | 14 |
| 2017 | Acquired Lake Sunapee Bank, FSB | 35 | 0 | +35 | 49 |
| 2018 | Opened Manchester | 1 | 0 | +1 | 50 |
| 2019 | Closed 5 in 2 states | 0 | 5 | −5 | 45 |
| 2020 | Opened 10 in 2 statesClosed Topsham | 10 | 1 | +9 | 54 |
| 2025 | Acquired Woodsville Guaranty Savings Bank | 9 | 0 | +9 | 63 |
| 2026 through Q2 | Closed Newbury | 0 | 1 | −1 | 62 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 39% | 34% | |
| 1-4 family residential | 32% | 41% | |
| Multifamily | 9% | 8% | |
| Construction and land | 8% | 4% | |
| Business (C&I) | 7% | 8% | |
| Farmland | 1% | 0% | |
| Other | 3% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 55% | |
| Time deposits | 24% | 26% | |
| Noninterest-bearing | 18% | 18% |
Brokered deposits are 4.3% of deposits (peers 14.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.31% | 0.43% |
| Net charge-offs, annualized | 0.19% | 0.03% |
| Reserves to loans | 0.89% | 0.94% |
| Leverage ratio | 10.49% | 10.66% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Maine
Largest competitors in Hancock County, ME
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bar-harbor-bank-trust-bar-harbor-me