BlastPoint's Banking Scorecard
Bar Harbor Bank & Trust
Community
Specialty: Commercial
ME
FDIC cert 11971
Bar Harbor, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Bar Harbor Bank & Trust faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 35% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.7B
+14.7% YoY
-0.7% QoQ
|
+$3.3B |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.6B
+14.7% YoY
+0.6% QoQ
|
+$2.6B |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.8B
+17.1% YoY
-3.2% QoQ
|
+$2.7B |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.03%
-18.6% YoY
+7.2% QoQ
|
-0.14% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.56%
+9.2% YoY
+3.4% QoQ
|
-0.11% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
61.49%
+5.1% YoY
-0.5% QoQ
|
-1.14% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.32%
+44.4% YoY
+16.2% QoQ
|
-0.30% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
93.30%
-2.1% YoY
+3.9% QoQ
|
+10.23% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
17.83%
+0.2% YoY
+0.2% QoQ
|
-3.22% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.25%
+44.3% YoY
+17.7% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
12.10%
-3.2% YoY
+1.8% QoQ
|
+1.86% |
10.24%
-0.6% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.85%
-6.8% YoY
+36.2% QoQ
|
+0.11% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#43 of 120 · Bottom 35% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.03%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Assets
Current: $4.7B · Tier avg: $1.4B
99
99th pctile
Total Loans
Current: $3.6B · Tier avg: $975.5M
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B
80
80th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.74%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
59
59th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
52
52th pctile
Efficiency Ratio
Current: 61.49% · Tier avg: 62.63%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.10% · Tier avg: 10.24%
44
44th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
42
42th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.83% · Tier avg: 21.05%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.30% · Tier avg: 83.06%
Top Weaknesses
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.30% · Tier avg: 83.06%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.83% · Tier avg: 21.05%
42
42th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
44
44th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.10% · Tier avg: 10.24%
52
52th pctile
Efficiency Ratio
Current: 61.49% · Tier avg: 62.63%
59
59th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
80
80th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.74%
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B
99
99th pctile
Total Loans
Current: $3.6B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.7B · Tier avg: $1.4B