Side-by-side · Q2 2026 data
First National Bank vs Bar Harbor Bank & Trust
Metric by metric
| Measure | First National Bank | Bar Harbor Bank & Trust |
|---|---|---|
| TellerScore | 64 | 73 (stronger) |
| Capital cushion | 42 | 55 (stronger) |
| Loan quality | 75 | 89 (stronger) |
| Earnings | 69 | 77 (stronger) |
| Funding & liquidity | 68 (stronger) | 62 |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 33rd | 70th |
| Total assets | $3.2B | $4.7B |
| Deposits / shares | $2.7B | $3.9B |
| Capital ratio | 9.20% | 10.49% (stronger) |
| Problem loans | 0.75% | 0.32% (stronger) |
| Net charge-offs | 0.20% | 0.19% (stronger) |
| Return on assets | 1.22% | 1.42% (stronger) |
| Loans ÷ deposits | 89.5% (stronger) | 93.0% |
| Uninsured deposits | 17.2% (stronger) | 20.1% |
| Offices | 18 | 60 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 25.5% |
Bar Harbor Bank & Trust has the higher TellerScore (73 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 2 and Bar Harbor Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bangor, ME
- Rockland, ME
- Blue Hill, ME
- Brewer, ME
- Ellsworth, ME
- Northeast Harbor, ME
- Southwest Harbor, ME
- Bar Harbor, ME