← Back to Institutions
Bar Harbor Bank & Trust
Bar Harbor, ME·FDIC Cert #11971·Charter: STATE·Est. 18870915.0·HC: BAR HARBOR BANKSHARES
Total Assets
$4.7B
Q4 2025
Return on Assets
1.03%
+0.07%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
61.49%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.03%+0.07
ROE
8.46%+0.55
Efficiency
61.49%-0.29
Equity/Assets
0.00%+0.00
NPL Ratio
0.32%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.30%+3.52
Charge-offs
0.03%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.2 | 1.3 | 1.3 | 1.2 | 1.0 | 1.0 | 1.0 |
| ROE | 9.5 | 9.7 | 10.1 | 10.3 | 9.4 | 7.8 | 7.9 | 8.5 |
| Efficiency | 60.1 | 59.3 | 59.0 | 58.5 | 60.2 | 61.0 | 61.8 | 61.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 95.2 | 96.6 | 93.4 | 95.3 | 93.7 | 94.8 | 89.8 | 93.3 |
Balance Sheet
Total Assets$4.7B
Total Deposits$3.8B
Total Loans$3.6B
Total Equity$573.3M
Profitability
ROA1.03%
ROE8.46%
Efficiency Ratio61.49%
Net Income$44.5M
Risk & Asset Quality
NPL Ratio0.32%
Charge-off Rate0.03%
Loan/Deposit93.30%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans