Banks · Maine

Bar Harbor Bank & Trust

Bar Harbor, ME · FDIC Certificate #11971 · Chartered 09/1

Total assets

$4.73B

Total deposits

$3.86B

Total equity

$595.82M

Net loans

$3.59B

Branches (offices)

Net income (YTD)

$33.32M

Rank: #296 of 4,213 U.S. banks by assets · #4 of 22 in Maine. Assets changed 15.3% and deposits 17.0% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.42%
Return on equity	11.40%
Net interest margin (YTD)	3.66%
Equity to assets	12.58%
Tier 1 leverage ratio	10.49%
Uninsured deposits (share of deposits)	20.1%
Noncurrent loans (share of loans)	0.32%
Net charge-offs (share of loans)	0.19%
Loans to deposits	93.0%
Real estate loans (share of loans)	89.5%

Loan mix

Category	Amount	Share
Real estate loans	$3.21B	89.5%
Commercial & industrial	$264.90M	7.4%
Consumer / individual	$12.67M	0.4%
Construction & development	$274.83M	7.7%
Agricultural	$13.60M	0.4%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$3.71B	$3.09B	$21.54M	$448.60M
Jun 2023	$4.02B	$3.10B	$26.61M	$463.53M
Jun 2024	$4.03B	$3.15B	$23.63M	$493.70M
Jun 2025	$4.11B	$3.30B	$19.58M	$503.27M
Jun 2026	$4.73B	$3.86B	$33.32M	$595.82M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Maine	$2.04B	22
New Hampshire	$1.44B	29
Vermont	$378.15M	11

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.86B.

Similar-sized banks

First Bank & Trust ($4.78B) · Town Bank, National Association ($4.71B)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.