Side-by-side · Q2 2026 data
First National Bank vs Bar Harbor Savings and Loan Association
Bank
Bar Harbor Savings and Loan Association
Bar Harbor, Maine · $100 million – $1 billion
Metric by metric
| Measure | First National Bank | Bar Harbor Savings and Loan Association |
|---|---|---|
| TellerScore | 64 (stronger) | 48 |
| Capital cushion | 42 | 65 (stronger) |
| Loan quality | 75 (stronger) | 29 |
| Earnings | 69 (stronger) | 33 |
| Funding & liquidity | 68 (stronger) | 50 |
| Problem-loan coverage | 87 (stronger) | 70 |
| Peer percentile | 33rd | 6th |
| Total assets | $3.2B | $103.2M |
| Deposits / shares | $2.7B | $73.8M |
| Capital ratio | 9.20% | 11.54% (stronger) |
| Problem loans | 0.75% (stronger) | 2.13% |
| Net charge-offs | 0.20% | 0.00% (stronger) |
| Return on assets | 1.22% (stronger) | 0.32% |
| Loans ÷ deposits | 89.5% (stronger) | 121.0% |
| Uninsured deposits | 17.2% | 7.2% (stronger) |
| Offices | 18 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
First National Bank has the higher TellerScore (64 vs 48). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 4 and Bar Harbor Savings and Loan Association on 3. 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.
Where both have branches
- Bar Harbor, ME