Side-by-side · Q2 2026 data
Bar Harbor Bank & Trust vs Wells River Savings Bank
Metric by metric
| Measure | Bar Harbor Bank & Trust | Wells River Savings Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 67 |
| Capital cushion | 55 | 58 (stronger) |
| Loan quality | 89 (stronger) | 79 |
| Earnings | 77 (stronger) | 45 |
| Funding & liquidity | 62 | 81 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 70th | 34th |
| Total assets | $4.7B | $266.9M |
| Deposits / shares | $3.9B | $234.6M |
| Capital ratio | 10.49% | 10.75% (stronger) |
| Problem loans | 0.32% (stronger) | 0.63% |
| Net charge-offs | 0.19% | 0.02% (stronger) |
| Return on assets | 1.42% (stronger) | 0.62% |
| Loans ÷ deposits | 93.0% | 78.9% (stronger) |
| Uninsured deposits | 20.1% | 6.6% (stronger) |
| Offices | 60 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | — |
Bar Harbor Bank & Trust has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Bar Harbor Bank & Trust leads on 3 and Wells River Savings Bank on 4. 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.