Side-by-side · Q2 2026 data
Bar Harbor Bank & Trust vs Seaboard Federal Credit Union
Metric by metric
| Measure | Bar Harbor Bank & Trust | Seaboard Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 57 |
| Capital cushion | 55 (stronger) | 39 |
| Loan quality | 89 (stronger) | 53 |
| Earnings | 77 (stronger) | 47 |
| Funding & liquidity | 62 | 94 (stronger) |
| Problem-loan coverage | 94 (stronger) | 81 |
| Peer percentile | 70th | 14th |
| Total assets | $4.7B | $246.4M |
| Deposits / shares | $3.9B | $220.9M |
| Capital ratio | 10.49% (stronger) | 8.90% |
| Problem loans | 0.32% (stronger) | 1.42% |
| Net charge-offs | 0.19% (stronger) | 0.22% |
| Return on assets | 1.42% (stronger) | 0.69% |
| Loans ÷ deposits | 93.0% | 65.9% (stronger) |
| Uninsured deposits | 20.1% | 5.3% (stronger) |
| Offices | 60 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | 27.4% |
Bar Harbor Bank & Trust has the higher TellerScore (73 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Bar Harbor Bank & Trust leads on 5 and Seaboard Federal Credit Union on 2. 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.