Side-by-side · Q2 2026 data
Bar Harbor Bank & Trust vs Skowhegan Savings Bank
Metric by metric
| Measure | Bar Harbor Bank & Trust | Skowhegan Savings Bank |
|---|---|---|
| TellerScore | 73 | 88 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 89 (stronger) | 86 |
| Earnings | 77 | 83 (stronger) |
| Funding & liquidity | 62 | 66 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 70th | 92nd |
| Total assets | $4.7B | $855.0M |
| Deposits / shares | $3.9B | $715.3M |
| Capital ratio | 10.49% | 15.81% (stronger) |
| Problem loans | 0.32% (stronger) | 0.42% |
| Net charge-offs | 0.19% | -0.02% (stronger) |
| Return on assets | 1.42% | 1.58% (stronger) |
| Loans ÷ deposits | 93.0% | 85.4% (stronger) |
| Uninsured deposits | 20.1% (stronger) | 22.5% |
| Offices | 60 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | — |
Skowhegan Savings Bank has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bar Harbor Bank & Trust leads on 2 and Skowhegan Savings Bank on 5. 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.