Headquartered in Bar Harbor, Maine, Bar Harbor Savings and Loan Association is a savings association with $103.2M in total assets and $73.8M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1902.
Based on its Q2 2026 filing, Bar Harbor Savings and Loan Association scores 48/100, which we describe as below average. That is higher than only 6% of 2,650 banks with $100 million – $1 billion. Among 22 banks headquartered in Maine, it ranks 22nd. Its strongest component is problem-loan coverage (70/100; 15.0%), and its lowest is loan quality (29/100; 2.13%).
TellerScore · Q2 2026
Scorecard
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 fell 4 points (52 → 48), mostly because the loan quality component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 45 |
| Q4 2024 | 48 |
| Q1 2025 | 51 |
| Q2 2025 | 52 |
| Q3 2025 | 47 |
| Q4 2025 | 49 |
| Q1 2026 | 52 |
| Q2 2026 | 48 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.12% |
| Q3 2024 | 11.91% |
| Q4 2024 | 12.07% |
| Q1 2025 | 11.94% |
| Q2 2025 | 11.98% |
| Q3 2025 | 11.77% |
| Q4 2025 | 11.45% |
| Q1 2026 | 11.48% |
| Q2 2026 | 11.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.07% |
| Q3 2024 | 1.91% |
| Q4 2024 | 1.66% |
| Q1 2025 | 1.66% |
| Q2 2025 | 1.57% |
| Q3 2025 | 1.89% |
| Q4 2025 | 1.67% |
| Q1 2026 | 1.75% |
| Q2 2026 | 2.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.23% |
| Q3 2024 | -0.53% |
| Q4 2024 | -0.52% |
| Q1 2025 | -0.07% |
| Q2 2025 | 0.00% |
| Q3 2025 | -0.21% |
| Q4 2025 | -0.10% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $103.2M | 11.54% | 2.13% | 0.32% | 121.0% |
| Q1 2026 | 52 | $101.6M | 11.48% | 1.75% | 0.39% | 118.1% |
| Q4 2025 | 49 | $101.7M | 11.45% | 1.67% | -0.10% | 118.9% |
| Q3 2025 | 47 | $99.6M | 11.77% | 1.89% | -0.21% | 116.5% |
| Q2 2025 | 52 | $98.9M | 11.98% | 1.57% | 0.00% | 117.4% |
| Q1 2025 | 51 | $99.0M | 11.94% | 1.66% | -0.07% | 116.5% |
| Q4 2024 | 48 | $99.8M | 12.07% | 1.66% | -0.52% | 112.6% |
| Q3 2024 | 45 | $101.1M | 11.91% | 1.91% | -0.53% | 114.2% |
| Q2 2024 | 46 | $102.9M | 12.12% | 2.07% | -0.23% | 114.4% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Maine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Auburn Savings Bank, FSBBank Auburn, ME | 56 out of 100, Moderate | $103.2M | 8.0% | 0.02% | vs |
| First Federal Savings and Loan Association of BathBank Bath, ME | 54 out of 100, Below average | $189.1M | 14.8% | 2.89% | vs |
| Aroostook County Federal Savings and Loan AssociationBank Caribou, ME | 68 out of 100, Moderate | $214.0M | 10.4% | 0.39% | vs |
| Franklin Savings BankBank Farmington, ME | 72 out of 100, Strong | $786.9M | 18.8% | 1.36% | vs |
| Skowhegan Savings BankBank Skowhegan, ME | 88 out of 100, Very strong | $855.0M | 15.8% | 0.42% | vs |
Deposit insurance
Is my money safe at Bar Harbor Savings and Loan Association?
Yes. Bar Harbor Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30878). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.2% of deposits ($5.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Bar Harbor Savings and Loan Association lists 1 office in 1 city. Most locations:
- Bar Harbor, ME (1)
Identity & history
Profile
- Legal name
- Bar Harbor Savings and Loan Association
- Type
- Savings association
- FDIC certificate #
- 30878
- RSSD ID
- 106676
- Primary regulator
- FDIC
- Established
- January 1, 1902
- Headquarters
- 103 Main St, Bar Harbor, ME 04609
- Website
- www.bhsla.com
- Employees
- 8
Quick answers
Bar Harbor Savings and Loan Association: common questions
Is Bar Harbor Savings and Loan Association FDIC insured?
Yes. Bar Harbor Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30878). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bar Harbor Savings and Loan Association's TellerScore?
48 out of 100 (Below average), 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 Savings and Loan Association ever failed?
There is no failure record for FDIC certificate #30878 in the FDIC failed bank list.
How many branches does Bar Harbor Savings and Loan Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bar Harbor
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bar Harbor Bank & TrustBank Bar Harbor, ME | 73 out of 100, Strong | $4.7B | 10.5% | 0.32% | vs |
| Machias Savings BankBank Machias, ME | 73 out of 100, Strong | $2.7B | 12.1% | 0.40% | vs |
| Franklin Savings BankBank Farmington, ME | 72 out of 100, Strong | $786.9M | 18.8% | 1.36% | vs |
| The Camden National BankBank Camden, ME | 69 out of 100, Moderate | $6.9B | 9.1% | 0.24% | vs |
| First National BankBank Damariscotta, ME | 64 out of 100, Moderate | $3.2B | 9.2% | 0.75% | vs |
| KeyBank National AssociationBank Cleveland, OH | 63 out of 100, Moderate | $188.6B | 9.9% | 0.86% | vs |