Side-by-side · Q2 2026 data
Bar Harbor Bank & Trust vs Merrimack County Savings Bank
Metric by metric
| Measure | Bar Harbor Bank & Trust | Merrimack County Savings Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 60 |
| Capital cushion | 55 (stronger) | 48 |
| Loan quality | 89 (stronger) | 79 |
| Earnings | 77 (stronger) | 39 |
| Funding & liquidity | 62 (stronger) | 60 |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 70th | 21st |
| Total assets | $4.7B | $1.4B |
| Deposits / shares | $3.9B | $1.2B |
| Capital ratio | 10.49% (stronger) | 9.76% |
| Problem loans | 0.32% (stronger) | 0.64% |
| Net charge-offs | 0.19% | 0.18% (stronger) |
| Return on assets | 1.42% (stronger) | 0.47% |
| Loans ÷ deposits | 93.0% (stronger) | 100.6% |
| Uninsured deposits | 20.1% | 15.1% (stronger) |
| Offices | 60 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | 23.1% |
Bar Harbor Bank & Trust has the higher TellerScore (73 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Bar Harbor Bank & Trust leads on 5 and Merrimack County Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.