TellerScore

Bar Harbor Bank & Trust is a state-chartered bank headquartered in Bar Harbor, Maine, in business for about 139 years. At the end of Q2 2026 it reported $4.7B in total assets and $3.9B in deposits, with 62 offices across 3 states.

Bar Harbor Bank & Trust has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 22 banks headquartered in Maine, it ranks 7th. Problem-loan coverage contributes the most (94/100, 3.1%); capital cushion contributes the least (55/100, 10.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.49%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.32%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 93.0% · 20.1% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (70 → 73), mostly because the earnings component improved by 19 points.

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202474
Q4 202473
Q1 202572
Q2 202570
Q3 202569
Q4 202568
Q1 202669
Q2 202673
Tier 1 leverage ratio
5.00%7.96%10.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.89%
Q3 202410.92%
Q4 202410.66%
Q1 202510.63%
Q2 202510.72%
Q3 202510.04%
Q4 20259.90%
Q1 202610.23%
Q2 202610.49%
Noncurrent loans
0.21%0.43%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.23%
Q4 20240.22%
Q1 20250.26%
Q2 20250.32%
Q3 20250.28%
Q4 20250.32%
Q1 20260.65%
Q2 20260.32%
Return on assets
0.96%1.19%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.19%
Q3 20241.26%
Q4 20241.26%
Q1 20251.15%
Q2 20250.96%
Q3 20250.96%
Q4 20251.03%
Q1 20261.34%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$4.7B10.49%0.32%1.42%93.0%
Q1 202669$4.7B10.23%0.65%1.34%91.9%
Q4 202568$4.7B9.90%0.32%1.03%93.3%
Q3 202569$4.7B10.04%0.28%0.96%89.8%
Q2 202570$4.1B10.72%0.32%0.96%94.8%
Q1 202572$4.1B10.63%0.26%1.15%93.7%
Q4 202473$4.1B10.66%0.22%1.26%95.3%
Q3 202474$4.0B10.92%0.23%1.26%93.4%
Q2 202473$4.0B10.89%0.21%1.19%96.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.49%
50th
Total risk-based capital13.64%
50th
Problem loans0.32%
66th
Net charge-offs0.19%
20th
Return on assets1.42%
65th
Net interest margin3.66%
48th
Efficiency ratio55.0%
62nd
Loans to deposits93.0%
32nd
Uninsured deposits20.1%
82nd
Loan-loss reserves0.89%
20th
Texas ratio3.1%
55th

Similar-size banks in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast BankBank Portland, ME78 out of 100, Strong$5.2B11.9%0.55%vs
First National BankBank Damariscotta, ME64 out of 100, Moderate$3.2B9.2%0.75%vs
Maine Community BankBank Portland, ME67 out of 100, Moderate$3.0B10.1%0.46%vs
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%vs
The Camden National BankBank Camden, ME69 out of 100, Moderate$6.9B9.1%0.24%vs
Kennebunk Savings BankBank Kennebunk, ME69 out of 100, Moderate$2.2B10.6%0.10%vs

Deposit insurance

Is my money safe at Bar Harbor Bank & Trust?

Yes. Bar Harbor Bank & Trust is an FDIC-insured institution (FDIC certificate #11971). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.1% of deposits ($776.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.64% (benchmark: 10%).

Check how much of your own balance is covered

62 locations

Branches

Bar Harbor Bank & Trust lists 60 offices in 54 cities across 3 states. Most locations:

  • Bangor, ME (3)
  • Lebanon, NH (2)
  • Littleton, NH (2)
  • New London, NH (2)
  • Woodsville, NH (2)
  • Andover, NH (1)
  • Bar Harbor, ME (1)
  • Bedford, NH (1)
  • Bethel, VT (1)
  • Blue Hill, ME (1)
  • Bradford, NH (1)
  • Brandon, VT (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bar Harbor Bank & Trust reported 926 home-loan applications under HMDA (LEI 549300VR3QTN4GZYUR03): 579 originated ($255,175,000 total), 200 denied, and 143 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bar Harbor Bank & Trust
Former names
Bar Harbor Banking and Trust Company; Bar Harbor Banking & Trust Company
Type
State-chartered bank
FDIC certificate #
11971
RSSD ID
522605
Primary regulator
FDIC
Holding company
Bar Harbor Bankshares
Established
September 15, 1887
Headquarters
82 Main St, Bar Harbor, ME 04609
Employees
527

Quick answers

Bar Harbor Bank & Trust: common questions

Is Bar Harbor Bank & Trust FDIC insured?

Yes. Bar Harbor Bank & Trust is an FDIC-insured institution (FDIC certificate #11971). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bar Harbor Bank & Trust's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bar Harbor Bank & Trust ever failed?

There is no failure record for FDIC certificate #11971 in the FDIC failed bank list.

How many branches does Bar Harbor Bank & Trust have?

62 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Bar Harbor

InstitutionScoreAssetsCapitalProblem loansCompare
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%vs
Franklin Savings BankBank Farmington, ME72 out of 100, Strong$786.9M18.8%1.36%vs
The Camden National BankBank Camden, ME69 out of 100, Moderate$6.9B9.1%0.24%vs
First National BankBank Damariscotta, ME64 out of 100, Moderate$3.2B9.2%0.75%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs
Seaboard Federal Credit UnionCredit union Bucksport, ME57 out of 100, Moderate$246.4M8.9%1.42%vs