Side-by-side · Q2 2026 data
Bar Harbor Bank & Trust vs Franklin Savings Bank
Metric by metric
| Measure | Bar Harbor Bank & Trust | Franklin Savings Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 66 |
| Capital cushion | 55 (stronger) | 48 |
| Loan quality | 89 (stronger) | 83 |
| Earnings | 77 (stronger) | 64 |
| Funding & liquidity | 62 (stronger) | 58 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 70th | 31st |
| Total assets | $4.7B | $931.4M |
| Deposits / shares | $3.9B | $776.1M |
| Capital ratio | 10.49% (stronger) | 9.75% |
| Problem loans | 0.32% (stronger) | 0.50% |
| Net charge-offs | 0.19% | 0.00% (stronger) |
| Return on assets | 1.42% (stronger) | 1.09% |
| Loans ÷ deposits | 93.0% (stronger) | 93.5% |
| Uninsured deposits | 20.1% (stronger) | 22.7% |
| Offices | 60 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | 14.3% |
Bar Harbor Bank & Trust has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bar Harbor Bank & Trust leads on 6 and Franklin Savings Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.