Side-by-side · Q2 2026 data
Bar Harbor Bank & Trust vs Machias Savings Bank
Metric by metric
| Measure | Bar Harbor Bank & Trust | Machias Savings Bank |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 55 | 71 (stronger) |
| Loan quality | 89 (stronger) | 87 |
| Earnings | 77 (stronger) | 59 |
| Funding & liquidity | 62 (stronger) | 61 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 70th | 70th |
| Total assets | $4.7B | $2.7B |
| Deposits / shares | $3.9B | $2.3B |
| Capital ratio | 10.49% | 12.12% (stronger) |
| Problem loans | 0.32% (stronger) | 0.40% |
| Net charge-offs | 0.19% | 0.04% (stronger) |
| Return on assets | 1.42% (stronger) | 0.99% |
| Loans ÷ deposits | 93.0% (stronger) | 98.2% |
| Uninsured deposits | 20.1% | 16.4% (stronger) |
| Offices | 60 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | 23.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Bar Harbor Bank & Trust leads on 3 and Machias Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bangor, ME
- Bar Harbor, ME
- Brewer, ME
- Ellsworth, ME
- Machias, ME
- Rockland, ME
- Manchester, NH